Category: Flood Insurance

While homes across the nation typically get assessed for flood risk every year, there’s still a potential that areas with low risk could have a flood out of nowhere. And suppose your site is likely to have a flood due to circumstances like unexpectedly heavy rains. In that case, it is essential to talk to us at Land Home Insurance Services serving Concord, CA to learn more about your potential coverage options. 

Why You Need a Flood Insurance Policy 

Flood insurance is a unique extra home coverage option that is separate from your standard policy. It provides coverage for things like natural floods from rainstorms and will help to pay for repairs to your home, relocation costs, renovations of various parts of a home, and even total construction. 

In this way, an excellent policy can help ensure that you don’t have to go bankrupt trying to rebuild your home or even end up homeless. And if you live in an area where your flood risk has been assessed as being low, there’s a good chance you could get a reasonable policy at a more than fair rate. 

But what areas are at a higher risk of floods this year? Many spots throughout California experience mudslides and other floods when the rainy season pops up. If you’re getting a higher-than-average rainfall in the state, and you’re near a river or lake, it is crucial to consider a policy seriously. 

What We Can Do to Help 

If you believe that Concord, CA and the surrounding area have a higher risk of flood this year and you want to protect yourself, please reach out to us at Land Home Insurance Services today to learn more. Then, we’ll sit down with you and find a policy option that makes the most sense for your needs. 

Almost any day of the week, you can listen to the news and hear about flooding somewhere in the United States. Rising seas have made other natural disasters more likely to result in extensive flood damage. Even as little as an inch of water in your home can cause thousands of dollars in damage. Protecting yourself makes all the difference. At Land Home Insurance Services in Concord, CA, we are an independent insurance agency that offers our customers a choice of top carriers and insurance products. 

Flood insurance is a product of FEMA (Federal Emergency Maintenance Agency), which is issued through the NFIP (National Flood Insurance Program) directly or through one of their approved carriers. It is designed to lessen the impact of flooding on homeowners, renters, and businesses. The fact remains that floods are not covered with homeowners, renters, commercial insurance, and insurance needed to provide protection. 

Flood insurance is sold in two parts: building and contents. You can purchase both or just one. The maximum coverage on a building is $250,000, and the contents are $100,000. Like most insurance, there are exclusions. To purchase one of these policies, you must live in one of the 23,000 communities that are part of NFIP. 

The building policy covers the structure of your home and the foundation. It also covers the major systems needed in your home’s such as electrical and plumbing. Your furnace, water heater, and central air conditioning are included. Additionally, anything that is a permanent part of your home, such as flooring, kitchen cabinets, built-in appliances, and bookcases.

Content insurance covers your furniture, washer and dryer, small kitchen appliances, electronics, and clothing. All the things that make your house a home. 

Contact Land Home Insurance Services in Concord, CA to discuss your flood insurance needs and any other insurance needs you may have.