Those who live in flood prone areas should know one thing first: homeowners insurance will not cover damages caused by a flood. For that you will need flood insurance, which is a special policy backed by the federal government with cooperation from local communities and private insurance companies.

As a homeowner, you can insure your dwelling up to $250,000 and its contents up to $100,000. If you are a renter, you can protect your belongings up to $100,000.

Securing your own flood insurance policy is by far the best way for protecting yourself against a large personal financial loss due to flooding. The federal government does not provide assistance unless the president declares a disaster, and even then, help comes in the form of loans that must be repaid with interest.

For a free quote or more information on Flood insurance, please contact Jenny at ext. 250.