{"id":71,"date":"2024-07-30T04:00:00","date_gmt":"2024-07-30T10:00:00","guid":{"rendered":"https:\/\/www.hansenagencyllc.com\/blog\/?p=71"},"modified":"2024-07-29T12:01:26","modified_gmt":"2024-07-29T18:01:26","slug":"does-my-home-insurance-cover-floods","status":"publish","type":"post","link":"https:\/\/www.hansenagencyllc.com\/blog\/does-my-home-insurance-cover-floods\/","title":{"rendered":"Does My Home Insurance Cover Floods?"},"content":{"rendered":"

Home Insurance and Flood Insurance: Know the Difference<\/strong><\/h2>\n

If you’re buying a home and pursuing a mortgage, you’ll be required to obtain home insurance. Moreover, if your area is prone to flooding, you might also need a policy protecting your property from flood damage. It’s crucial to understand what home insurance covers and what it doesn’t ensure you choose an appropriate policy.<\/p>\n

Even if you’re not purchasing a home or are required to get insurance for your mortgage, you should still comprehend the difference between home insurance and flood insurance. The professionals at The Hansen Agency LLC, servicing Canonsburg, PA, are here to help.<\/p>\n

Does Home Insurance Cover Floods?<\/strong><\/h3>\n

Home insurance policies typically don’t cover damage resulting from floods. However, they cover damage due to high winds, often accompanying storms that can lead to floods. For instance, if high winds cause a tree branch to break a window, leading to water damage from rain, your home insurance may cover the cost of repairs. But, damages arising from flooding, like water entering your home through the basement, aren’t usually covered by home insurance.<\/p>\n

What Should I Do for Flood Protection?<\/strong><\/h3>\n

If you’re seeking flood protection, it’s available through the National Flood Insurance Program (NFIP). Mortgage providers usually require homeowners in high-risk areas to have flood insurance. However, even if it’s not required, you can still choose to obtain it to protect your home.<\/p>\n

The Hansen Agency LLC, servicing Canonsburg, PA, is here to help you secure both home insurance and flood insurance. These protections will limit your financial risk and speed up your recovery after a covered event. Contact us today to learn how we can help.<\/p>\n","protected":false},"excerpt":{"rendered":"

Home Insurance and Flood Insurance: Know the Difference If you’re buying a home and pursuing a mortgage, you’ll be required to obtain home insurance. Moreover, if your area is prone to flooding, you might also need a policy protecting your property from flood damage. It’s crucial to understand what home insurance covers and what it […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[5,6],"class_list":["post-71","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-canonsburg-pa","tag-the-hansen-agency-llc"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t