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Easton, PA 98765

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I Live In A Low-risk Area. Do I Still Need Flood Insurance?

Living in a low-risk area definitely has its perks. You likely don’t have to worry about as many natural disasters striking your home, and you probably pay lower rates for homeowner’s insurance.

However, just because you live in a low-risk area doesn’t mean you’re immune to flooding. In fact, nearly 25% of all flood claims come from low- to moderate-risk areas! If you want to ensure that your family is protected in the event of a flood, it’s important to have flood insurance.

Why You Need Flood Insurance in a Low-Risk Area

There are a few reasons you should get flood insurance, even if you live in a low-risk area.

For one, floods can happen anywhere and often strike when you least expect them. A severe storm could cause flash flooding in your neighborhood. A broken pipe could cause water to flood your basement. And even just a heavy rainfall can lead to flooding in low-lying areas.

Plus, the cost of repairing flood damage is often much higher than most people expect. Even the smallest amount of water in your home can cause massive damage. However, with insurance from a professional company such as Northeast Insurance Advisors LLC in Easton, PA, you can rest assured knowing that you and your home are protected.

What Does Flood Insurance Cover?

When you purchase flood insurance, you’ll be protected against damage caused by rising waters. This includes damage to your home, personal belongings, and even the cost of temporary housing if your home is uninhabitable.

Flood insurance also covers the cost of repairing or rebuilding damaged structures on your property, such as a garage or shed. Plus, it can help cover the cost of cleanup and repairs to your home’s electrical, plumbing, and heating systems.

Keep in mind that flood insurance does not cover damage caused by storms, such as high winds or hail. You’ll need to purchase a separate policy for this type of coverage.

Give Us A Call

If you’re interested in purchasing flood insurance, Northeast Insurance Advisors LLC in Easton, PA can help. We’ll work with you to find a policy that meets your needs and budget. Contact us today to get started.

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