Flood insurance is one of the smartest ways to protect your home or business because floods are not covered by your homeowners’ or general liability policies. Considering that a flood loss is 30 times more likely to occur than losses from fire, it’s not a risk you should be willing to take.
Generally, a flood insurance policy provides coverage for physical damage to your home or personal property directly caused by a flood.
Commercial property flood insurance and personal property flood insurance are not the same thing. Each type must be purchased separately. Generally, the National Flood Insurance Program encourages people to purchase both types of insurance so that both your home and the contents within it are protected.
If you have questions about flood insurance, call 256-551-0060 or if you would like to receive a flood insurance quote, click here.