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Your homeowner’s insurance policy protects you against losses from a number of events. If a storm damages your roof, your home is broken into by burglars or a fire completely destroys your home, you can depend on your Homeowner’s Insurance in Scranton PA to cover the costs of the damage up to the limits of your policy. However, if rising waters cause damage to your property, homeowner’s insurance alone will not protect you.

Most homeowner’s insurance policies specifically exclude water damage caused by flooding. While your policy may offer some coverage if the water originates inside your home, such as from a broken water pipe, you can’t file a claim for water that originates outside your home. Fortunately, flood insurance is available to cover these occurrences and get you back on your feet after high water effects your Scranton home.

A good flood insurance policy covers the structure and the contents of your home. If your home has a basement, though, it may not be covered. Be sure to check your policy and move anything you can’t afford to replace to a higher floor in your home. Coverage may also be limited to property inside your home. Your landscaping and swimming pool may not be covered under a flood insurance policy. Be sure to talk to your insurance agent if you need to cover outdoor property.

Flood insurance is a great addition to your Homeowner’s Insurance in Scranton PA whether you live near the water or not. This worthwhile addition to your homeowner’s insurance policy will protect your investment whether your carpets or your foundation are damaged by the flood. Expect to pay an additional premium for flood insurance but if your home is ever consumed by water, it will be worth it.

You may be able to save a significant amount of money on all of your insurance products if you buy them from a single company. By choosing an insurance agent such as Florey Insurance Agency of Scranton PA, you can buy your homeowner’s, auto and life insurance as well as a flood insurance policy and get multi-policy discounts for your loyalty.