Recent flood disasters in New York are an indication of the need for flood insurance to protect your home and property. Even if your home isn’t located in a flood zone, it could be at risk of flood damage. Flood insurance from Woodside Agency, Inc. of New York will compensate you for damage to your home or personal property by a flood disaster. Here’s how you can protect your interests with flood insurance coverage.
When purchasing flood insurance, you have the choice of protecting only your home, only your contents, or both. Each type of coverage has its limits and deductible.
Flood insurance coverage has limits for both your home and contents. Your home can be covered for up to $250,000, while your contents can be protected for up to $100,000.
Flood Insurance is a Catastrophic coverage and not a replacement for Homeowner’s Insurance. For example, flooding from a hurricane would be covered by a flood policy, but a "flooded" basement from a broken pipe or sewer backup would be covered by the Homeowner's Insurance.
The polices generally work in tandem to avoid gaps in coverage.
Talk to your agent at Woodside Agency, Inc. to learn more including available special Preferred Risk Pricing