Flood warning

Should You Purchase Flood Insurance, and Is It Necessary?

When it comes to flood insurance, there can be a lot of questions and misconceptions. Among those is the idea that this type of insurance is automatically included in standard home insurance policies. These policies include a lot of different types of coverage, but flood coverage isn’t one of those types. Instead, if you need or want flood insurance to protect your West Deptford, NJ home you’ll want to work with Keller Insurance Services to get the specific coverage you need. Some homes will require a flood policy if they are in a flood plain and there is a mortgage.

For houses that aren’t in a floodplain, or those that are paid for and there is no mortgage present, flood insurance isn’t required. However, some homeowners still want to have this coverage. Anywhere it can rain, it can flood, so homeowners who want strong protection for their home will often keep a flood insurance policy on that home. That’s especially important if they have a house in the floodplain and less of a concern for homes on higher ground. By working with a good agent, it’s easier to make a decision as to whether a flood insurance policy is really needed for your home.

Keller Insurance Services can help with your West Deptford, NJ flood insurance needs. Whether you want to get a policy, make changes to an existing one, or just ask questions, knowledgeable agents can advise you on the types of options you have for your situation. That way you can decide what type and level of coverage you want, and can focus on the peace of mind that having the right insurance will bring you. It’s an excellent way to have your home financially protected and to ensure that you have a trusted company behind you.