Your home is most likely one of your most significant investments, and it’s crucial that you have the right insurance coverage to protect it. Here at Alta Vista Insurance Agency, serving Carlsbad, CA, and the surrounding areas, we want to help homeowners better understand the important types of coverage, such as flood insurance. Here are a few things you should know.
Flood Is Not Usually Included in Homeowner’s Insurance
Homeowners must realize that flood insurance is usually not included in a homeowners policy. This can be a confusing detail for homeowners because different types of flooding are covered in different ways. For instance, flooding that is caused inside your home due to plumbing problems or appliance malfunctions will be covered in a homeowner’s policy. Flooding caused by natural disasters is usually not covered. It would be best to talk with an insurance representative to understand what is and is not covered in your homeowners’ policy.
Flood Policies Are Unique
You should also be aware that each flood policy is unique. This is because flood risks are unique to each area. Some areas are at higher risk of flooding than others. Your property will be evaluated explicitly for flooding history and future risks. A flood policy will then be created based on that information.
If you’d like to learn more about flood insurance, please contact us at Alta Vista Insurance Agency, serving Carlsbad, CA, and the surrounding areas. We are happy to answer any questions you may have about current or future policies.
