Living in South Florida, flood insurance is a good insurance coverage due to the many low lying areas located near bodies of water. Flooding is the most common natural disaster in the United States. Flood insurance in the Ft. Lauderdale and Miami areas is often required by mortgage companies. Many peoples assume that standard homeowners policy has flood coverage, however that is not the case.
The right amount of coverage for your home is one of the most important decisions you make when purchasing a home insurance policy.
Flood Insurance for South Florida,
Miami, Broward and Surrounding Areas.
What is covered under a flood insurance policy?
When you purchase a home and an insurance policy, your basic needs are covered under that policy. Flood insurance will not be included in that policy and it may be necessary to purchase a separate policy to prevent damage from flooding. A separate flood insurance policy will provide peace of mind knowing that your property is insured and protected from damage due a storm or water in areas that begins to rise and causes damage to your property. A basic flood insurance policy covers the removal of the water and the damages to your property.
Do I need flood insurance?
Living in Florida, a flood is typical, so you may think you do. Flood insurance is only required if you live in a flood zone. Some flood zones have greater risks than others. Regardless of flood zones we recommend all of our clients to have flood insurance to protect their property. Florida is a high risk state for flooding. If you have questions about your flood zone, contact one of your professional agents.
Why ENG Insurance?
At ENG Insurance, we take the time to discuss your needs and expectations of a flood policy. Our expert agents explain the policy and determine which insurer best satisfies your needs. We service clients with Flood insurance needs across South Florida. Contact us to find out more about Flood Insurance policies.
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We make sure that your insurance needs are covered for today and in the future.