Now that spring is here, it’s time to think about flooding. Luckily, you have the team at Morin Insurance to ensure you have the right flood insurance in NH and CT. Flood insurance is essential to protect your home and belongings from the devastating effects of flooding. If you don’t currently have flood insurance or are considering revising your policy, now is the time to speak to our agents.
What should you have in your NH or CT flood insurance policy? Here are some key things to consider.
Structure and Contents
First and foremost, your flood insurance policy should cover the structure of your home. Your home’s structure includes the foundation, walls, roof, and attached structures such as a garage or porch. Comprehensive coverage for your home’s structure will ensure you can pay to take care of flood damage to any part of your home.
Your flood insurance policy should also cover your belongings inside your home, such as furniture, appliances, clothing, and electronics. This coverage will help you replace your belongings if they are damaged or destroyed by a flood. Electronics and appliances are especially susceptible to water damage. Covering the contents of your home will ensure you can afford to replace all necessary appliances, such as your refrigerator or A/C system.
Loss of Use
Loss of use coverage will help you pay for additional living expenses if you are unable to live in your home due to a flood. This type of coverage can help you pay for everything from hotel bills to laundry expenses. Having to live outside of your home due to flood damage is never preferable, but sufficient insurance coverage will ensure you don’t lose money on additional expenses.
Increased Coverage and Exclusions
If your property is at high risk of flooding, you may want increased coverage limits. This additional coverage will help you ensure that you can repair your home or replace your belongings in the event of a flood.
It is also important to note that flood insurance policies typically have some exclusions, such as coverage for damage caused by earthquakes or mudslides. It is essential to read your policy carefully to understand what is and is not covered. Our agents can walk you through your policy to help you understand what coverage you have.
NH & CT Flood Insurance from the Morin Agency
Our team at the Morin Agency offers home and vehicle coverage to residents of NH and CT. If you are concerned about flooding or would like to update your policy, contact our team today. Our agents are always happy to assist you!
