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22246 S Ellsworth Rd
Queen Creek, AZ 85142

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The Insurance Team Blog

Why You Need Flood Insurance

When you own a home, there are many ways that you need to protect it. One of the ways you can protect your home is to have a flood insurance policy. It’s important to have this policy for many reasons. If you own a home and don’t have this type of insurance policy, it’s time to get one. When you want to know more about these policies, give us a call at The Insurance Team in Queen Creek, AZ.

The National Flood Insurance Program

This program is run by the U.S. government. It gives people access to flood insurance as well as backing and guaranteeing it. Because this insurance is government-backed, it won’t go out of business. It will be available to you for as long as you keep the policy.

It’s recommended to never go without this coverage, even if you don’t think you live in an area that floods. Among all of the flood claims that come in, about 20% of them come from areas outside of flood zones. They aren’t zoned for flooding, but flooding can still happen there. 

Home Insurance and Floods

One of the most common reasons that people have for not getting flood insurance is that they believe their home insurance will cover it. Why get another policy when you have home insurance? However, home insurance doesn’t include flooding. When there is flooding, you can’t get payment for any of the damage from your home insurance.

Without flood insurance, you would be responsible for paying for all the damage the flooding does. Floods are extremely destructive and often come with huge clean-up and repair costs. 

Get Flood Insurance 

If you don’t have a flood policy yet, it’s time to give us a call. Contact us at The Insurance Team in Queen Creek, AZ to learn more. 

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