Whether you live in a flood zone or not, flood insurance is vital to have in place if you are a homeowner. You never know when a downpour can cause water to enter your home or basement and cause enormous damage that can cost you hundreds or even thousands of dollars. With flood insurance in place, you will have help in covering any costs of damages to your home or business from a flood.

The flood insurance agents at the Five Star Insurance Agency serving the Fords, NJ area want you to be prepared if a flood does occur. Many people believe that flood insurance is included in their home insurance policy, but that is not usually true. Flood insurance is an amendment added to your homeowner’s insurance policy.

What Does Flood Insurance Cover?

A flood insurance policy can be obtained through your trusted insurance agent and the National Flood Insurance Program (NFIP). You will be able to choose one of two options when it comes to your flood insurance policy.

The first option for flood insurance will assist you with up to a certain amount of money for any repairs you need to make after a flood has caused damage to your home or business. The second option will help you replace your personal belongings lost in a flood due to water damage. This can include furniture, appliances, clothing, and other personal items. Most people opt to include both of these options in their flood insurance policies.

Contact Five Star Insurance Agency

To create the best flood insurance policy for you and your situation, contact the flood insurance agents at the Five Star Insurance Agency serving the Fords, NJ area today!