Flooding is a concern for any homeowner, especially in coastal areas like Inlet Beach, FL. And while your home insurance policy may cover some water damage, it’s essential to understand that flooding is typically not included. That’s why it’s so important to have a separate flood insurance policy in place.

What is Flood Insurance?

Flood insurance is a type of coverage specifically designed to protect your home and belongings from damage caused by flooding. While your standard home insurance policy may cover some water damage, it typically excludes damage caused by flooding. That’s why it’s so important to have a separate flood insurance policy in place.

What Does Flood Insurance Cover?

Flood insurance can help protect your home and belongings from the damage caused by flooding. It can cover the cost of repairs to your home and replacing any damaged belongings. Many policies also pay for the total loss of your home up to your policy’s limit.

Do I Need Flood Insurance?

Flood insurance is not required by law, but it is required by most mortgage lenders if you live in a high-risk area. That’s because floods can happen anywhere, and the damage they cause can be significant. Even if you don’t live in a high-risk area, it’s still a good idea to have flood insurance.

How Much Does Flood Insurance Cost?

The cost of flood insurance depends on several factors, including the value of your home and belongings, the amount of coverage you need, and the deductible you choose. A Dune Lakes Insurance agent can help you determine the right coverage for your needs and get you the best rate possible.

For more information on flood insurance, contact Dune Lakes Insurance today. We’re here to help you find the coverage you need to protect your home and belongings.