While your homeowners’ insurance policy is supposed to provide protection from any peril, it does not cover every natural disaster. If your home is damaged or destroyed by a flood, only a specific flood insurance policy will provide coverage.

A flood insurance policy is the only way to ensure that you and your home will be protected in case of a flood. It is important to keep in mind that a flood insurance policy has a 30-day waiting period before it becomes active. If a flood damages your home while the policy is in the waiting period, you will be left paying for the damages out of your own pocket. All policies will provide coverage for the structure of your home, and most will also provide coverage for all of your belongings that are damaged. A flood insurance policy will not provide any coverage for machinery or equipment that is stored outside and is damaged in a flood.

The cost of a flood insurance policy depends on many different factors, including the size of your home and how many people live in your house. It also depends on where your home is located. If you live in a high-risk area, you will pay more for your premiums than if you live in a low to moderate risk area.

When deciding how much flood insurance coverage you need, it is important to make a home inventory. This will let you know how much all of your belongings are worth and how much they will cost to replace. Working with an independent insurance agent can also ensure that you have the right amount of coverage for your specific situation.

For all of your flood insurance needs and to ensure that you are protected in any situation, contact the independent insurance professionals at Martplan Insurance Agency in La Habra, California.