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Do you need flood insurance if you already have homeowners insurance?

Floods are one of the most common and destructive natural disasters, yet many homeowners here in the Omaha, NE area don’t realize they need extra protection from them. Home insurance typically doesn’t cover flooding, so if you live in an area that’s susceptible to flooding, it’s important to get flood insurance in addition to your regular home insurance policy.

Even if your home isn’t located in a high-risk zone for floods, it can still be a smart idea to get flood insurance from Insurance Solutions LLC as unexpected floods can occur anywhere.   

Importance of Flood Insurance

Flood insurance can help protect you from the high costs of property damage, loss of personal items, and other flood-related emergencies. It’s important to understand what is and isn’t covered by your policy so that you’re adequately protected no matter what happens. That way, if a flood does occur, you can be sure that you’ll have the coverage you need. 

In addition to protecting you against property damage, flood insurance can also help protect against the costs of repairing or replacing items due to water damage caused by a flood. This includes furniture, electronics, appliances, and other personal belongings that may be destroyed or lost in a flood. It’s important to note that many standard homeowners insurance policies don’t cover flood damage, so it’s important to make sure that your policy has the right coverage. 

Reach Out To Us

The good news is that flood insurance is relatively affordable and easy to obtain. Contact us at Insurance Solutions LLC today to learn more about how you can protect yourself and your property with the added peace of mind of having flood insurance coverage! At Insurance Solutions LLC, we are proud to serve the Omaha, NE area.

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