Flood Insurance in Pennsylvania

Changing weather patterns over the last few years have increased the risk of flooding across the country. In Pennsylvania, flooding is more common than ever, causing millions of dollars’ in property damage annually. If you own a home in Pennsylvania, you can protect your property against flooding with flood insurance. Here’s how a flood insurance policy from Richard Zeises Agency in Jenkintown, PA. works to protect your home and personal property.

Dwelling/Contents Coverage

Flood insurance offers two types of protection: dwelling coverage and coverage for contents. You can purchase one or both types of coverage to protect your interests. A standard flood policy will protect your dwelling up to the amount of $250,000 and your contents for up to $100,000.

As a Pennsylvania homeowner, you should be aware that standard home insurance in Pennsylvania doesn’t cover flood damage. Without flood insurance, you run the risk of losing everything you own in a flood disaster. By purchasing a flood policy, you can protect your home or condo from the devastating effects that floods can cause and avoid catastrophic financial loss.

Flood Insurance Facts Every Homeowner Should Know

You can purchase flood insurance even if you don’t live in a flood zone. If your home is located in a flood zone, flood coverage is a must. If your home has a mortgage, your lender will undoubtedly require flood coverage if you live in a flood zone.

Flood insurance covers the actual cash value or replacement cost of property damaged in a flood or mudslide caused by flooding, up to the limits of your policy.

Flood insurance coverage doesn’t begin immediately after purchasing a policy. Policies are effective approximately 30 days after buying. For this reason, it’s important to purchase a policy well in advance of potential flood season to ensure you’re protected against an unforeseen flood disaster.

For quality flood insurance coverage at affordable costs, contact us at Richard Zeises Agency in Jenkintown, PA.