You might think that your home is safe from floods because you have never seen anything more than a puddle in your yard. Unfortunately, every home is at risk of floods. Floods are unpredictable and can happen near the coast and in dry areas. According to FEMA, about 99% of all American counties have been ravaged by floods since 1996!
And here is another problem. When floods strike in Vista, CA, your home insurance doesn’t protect your home. Unfortunately, no amount of sandbags can hold back flooding. For this reason, you need a stand-alone flood insurance policy from Alta Vista Insurance Agency for optimal protection.
Is flood insurance mandatory?
Although no law in Texas requires flood insurance, if your home or business is mortgage-financed, your lender may require you to purchase flood insurance if you live in a flood-risk zone. In contrast, persons living in low-risk areas may see flood insurance as an unnecessary expense, but flood insurance cushions you from dipping into your savings when floods strike.
What does flood insurance cover?
Whether it’s flash flooding or hurricane flooding, water causes extensive damage to your home. To put this in perspective, a one-inch rise in water levels results in repairs to the tune of $25,000 and above!
When you buy flood insurance, it protects the below:
- Building: This covers electrical and plumbing systems, furnaces, carpets, detached garages, and other fixed appliances.
- Contents: Covers personal items like furniture, electronics, curtains, ovens, and so forth.
Where to buy flood insurance
You can buy flood insurance from NFIP. This coverage has a 30-day waiting period and covers your building up to $250,000 and contents up to $100,000. Besides, you can purchase flood insurance from private carriers. And the beauty of private flood insurance is that it provides better coverage than NFIP.
Buy flood insurance today!
Are you in Vista, CA, looking for flood insurance? Please get in touch with Alta Vista Insurance Agency for an affordable quote.