Flood insurance is essential for homeowners. While many people assume they don’t need it, this type of insurance is crucial for protecting your home. A common misconception is that home insurance covers flood damage, making flood insurance unnecessary. However, home insurance specifically excludes flooding. If a flood damages your home, your home insurance won’t pay for repairs. This is one of the key reasons why every homeowner should have flood insurance. To learn more about flood insurance, contact us at Northeast Insurance Advisors LLC in Easton, PA.

Why Flood Zones Aren’t the Only Concern

Another reason people skip flood insurance is that they don’t live in designated flood zones. However, areas outside of flood zones experience flooding regularly. In fact, approximately 20% of all flood claims originate from homes located outside designated flood zones. That’s a significant number of homes affected by unexpected floods and the costly damage they bring. Floods can be extremely expensive to repair, making flood insurance a necessity no matter where you live.

Flooding Can Happen Anywhere

The terrain around your home might make you think flood insurance isn’t necessary. However, flooding can occur anywhere—even in mountainous regions. While flood zones may flood on a predictable schedule, such as every 20 or 50 years, areas outside these zones can experience devastating floods unexpectedly. To protect your home against this very real possibility, it’s important to have flood insurance in place for as long as you own your home. Flood insurance is a vital part of safeguarding your financial future.

Get Flood Insurance Today

Flood insurance is backed by the National Flood Insurance Program, a reliable government-backed initiative ready to assist when a flood occurs. If you need a policy to protect your home, contact us at Northeast Insurance Advisors LLC in Easton, PA. We’re here to help you secure the coverage you need.