Why Everyone Needs Flood Insurance

Everyone who owns a home greatly needs some insurance policies, including flood insurance. You likely already have home insurance, so shouldn’t that be enough? Many people don’t get flood insurance because they assume their home insurance will cover a flood. However, home insurance isn’t enough. It doesn’t cover floods. Without flood insurance, you’re vulnerable to paying for the extensive damage that a flood can cause. This may be unaffordable after a severe flood. If you don’t have flood insurance yet, call LeapFrog Insurance in San Antonio, TX to learn more. 

Flood Zones

Flood zones are areas declared to be at high risk for flooding. If you live in a flood zone, going even a day without flood insurance is never a good idea. However, the same is true if you live outside of flood zones. Among all of the insurance claims for flood damage, about 20% of them are from areas that aren’t in flood zones. This represents a large number of people who are getting flood damage outside these zones. This makes it essential for everyone to have a policy to protect themselves against repair or rebuilding costs. 

The National Flood Insurance Program

When you get flood insurance, you don’t have to worry about the insurance company paying out. These policies are backed by the National Flood Insurance Program, giving them federal protection. This insurance can give you peace of mind because you’ll know you have high-quality protection in case of flooding. Because the insurance comes with government backing, you can always count on it. 

Get Flood Insurance Today

If you need a flood policy for your home, call us at LeapFrog Insurance in San Antonio, TX to learn more and get started.