Flood Insurance in North Carolina
Your home is one of the most important assets you have in your life, so making sure your home is protected is important. If you need flood insurance for your Raleigh home, Craig Insurance Group Inc. is here to help.
Is Flood Insurance Necessary?
Figuring out whether you need flood insurance can be tricky, especially if you haven't fully paid off your home yet. In some cases, your lender may require you to carry flood insurance to make sure you can cover damage to your property in the event of a flood. However, this is generally only required in flood zones.
You can find a map of flood zones in your area with a quick Google search, or you can look up your address to see if your North Carolina home is at risk. If you are in a flood zone, you should have flood insurance whether or not it's required.
Home Insurance vs. Flood Insurance
One important thing to remember when it comes to flood insurance is that your Durham home isn't covered against floods under your regular home insurance policy. As a matter of fact, almost every homeowner's insurance policy excludes both floods and earthquakes. Just because you have homeowner's insurance doesn't mean your home is completely covered.
Whether you're required to carry flood insurance or you simply live in a flood zone and want it, you'll need to purchase it alongside your homeowner's insurance. These will be two separate policies that provide coverage for different types of damage to your home.
If you want to make sure your Garner home is protected from everything, flood insurance is a smart purchase. Even better, Craig Insurance Group Inc. can help you get the best flood insurance for your home. To find out more or get a free quote today, give Craig Insurance Group Inc. a call.