What Homeowners Need To Know About Flood Insurance

Your home is probably one of your biggest investments. Protecting your home against unforeseen disasters is crucial to your family’s financial stability and security. At Green Family Insurance Inc, serving Illinois, we make it easy for you to choose insurance products with confidence. If you are looking for information on flood insurance, we are here to help. 

Is Flood Insurance Included in Home Insurance?

This is an important question. Many homeowners assume that flood insurance coverage is included in their homeowner’s policy. In most cases, flood insurance is an entirely separate type of insurance product. It is important to read your home insurance policy carefully. If flood insurance is not included, it may be wise to add this coverage. 

Why Is Flood Insurance Not Included?

Flood insurance coverage amounts are determined based on very specific flood risks. These flood risks can vary greatly from one area to another. This is why it is very difficult to create a one size fits all type of insurance coverage to bundle into a home insurance policy. 

How Do I Add Flood Insurance?

If you are interested in adding flood insurance, the first thing you should do is contact your current home insurance company. In many cases, your home insurance provider will be able to guide you on the steps needed to add flood coverage to your existing policy. 

An insurance representative will most likely need to evaluate your property to ensure you get the right type of coverage. Each property will be different so it is important that your property be evaluated. 

If you would like to learn more about our services, please contact us at Green Family Insurance Inc. serving Illinois. We will be happy to answer your questions concerning flood insurance or any other insurance products. 

6 Important Flood Insurance Questions to Ask Your Agent

When you live in a flood-prone area, it’s often required by your home’s lender for you to have flood insurance. If you don’t have a lender, you don’t have to have the coverage, but it’s still an excellent idea to make sure you’re adequately protected from harm. If you’re in Illinois, Green Family Insurance Inc. is the company to contact to make sure you have the insurance policies that will give you the kind of protection you’re looking for.

Then you’ll have what you need to be safe and secure, and you’ll be able to enjoy the beauty of the area. Some of the biggest questions to ask about insurance to cover floods are:

  • What kind of insurance do you need beyond the standard homeowner’s policy?
  • Should you still get this insurance if you’re not in a flood-prone area?
  • Who should you contact if you want to review or make changes to your policy?
  • What should your agent know about your home or location?
  • Are there any extenuating circumstances or issues that won’t be covered by a flood policy?
  • Who should you reach out to if you have more questions to ask about flood policies?

When you’re in Illinois, and you need flood insurance, Green Family Insurance Inc. is the place to go. Contact us today, and let’s talk about the kind of policy and coverage level that would be right for your needs. There are many different choices to consider for basic insurance policies on your home, but flood policies don’t come with as many options. Still, you’ll likely have questions, and we want to help answer them. You can get the answers you’re looking for when you work with a strong company and dedicated agents like ours so that you can have a good policy and peace of mind.