{"id":115,"date":"2024-10-30T04:00:00","date_gmt":"2024-10-30T10:00:00","guid":{"rendered":"https:\/\/www.lhfinsurance.com\/blog\/?p=115"},"modified":"2024-11-21T15:28:49","modified_gmt":"2024-11-21T21:28:49","slug":"why-you-need-both-home-insurance-and-flood-insurance","status":"publish","type":"post","link":"https:\/\/www.lhfinsurance.com\/blog\/why-you-need-both-home-insurance-and-flood-insurance\/","title":{"rendered":"Why You Need Both Home Insurance and Flood Insurance"},"content":{"rendered":"<p>When you own a home, it&#8217;s important to keep it protected from everything that could happen to it. There are a lot of dangers out there that can cause damage to a home, and you need to be insured against them. If you have home insurance, that isn&#8217;t enough protection. It would be best to have flood insurance to ensure you&#8217;re financially protected against some of the worst risks to your home. Call us at&nbsp;Land Home Insurance Services to get started with a policy.<\/p>\n<h2>Complementary Insurance Policies<\/h2>\n<p>It&#8217;s common for homeowners to only have home insurance on their homes and to skip flood insurance. This is a serious problem because home insurance doesn&#8217;t provide any coverage for floods. These policies exclude floods specifically. They will not pay at all if a flood damages your home. To be covered against floods, you have to have a flood insurance policy. These policies are backed by the National Flood Insurance Program, giving them government backing and ensuring that funds will be there if you need them.&nbsp;<\/p>\n<h2>All Homes Need Flood Insurance&nbsp;<\/h2>\n<p>When a home is in a flood zone, you are generally required to have a flood insurance policy. However, having this policy outside of these zones is also essential. Among all of the flood claims that come in, about 20% of them aren&#8217;t from homes inside flood zones. This means that many homes experience flooding even though they aren&#8217;t in one of these zones. This makes it important for all homes to get and keep this insurance for protection against expensive damage and repairs.&nbsp;<\/p>\n<h2>Get Flood Insurance from Land Home Insurance Services<\/h2>\n<p>When you need flood insurance, we can help to get you started. To find out more, call us at&nbsp;Land Home Insurance Services.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you own a home, it&#8217;s important to keep it protected from everything that could happen to it. There are a lot of dangers out there that can cause damage to a home, and you need to be insured against them. If you have home insurance, that isn&#8217;t enough protection. It would be best to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[14,13],"class_list":["post-115","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-flood-insurance","tag-land-home-insurance-services"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=115"}],"version-history":[{"count":1,"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/115\/revisions"}],"predecessor-version":[{"id":116,"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/115\/revisions\/116"}],"wp:attachment":[{"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lhfinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}