Making the Decision About Securing a Flood Insurance Policy in St. Augustine

If you live in an area that sees a significant amount of rain throughout the year, then you might want to invest in flood insurance. Once you’ve secured St Augustine FL flood insurance, there are some tips to keep in mind so that you receive all of the benefits offered by the policy in the event that it’s needed. When selecting the insurance policy that you need, make sure you review all of the details with the agent before signing the documents and making payments on the policy.

Need Over Want

When you own a home, you want to protect it as much as you can. However, there are a few insurance policies that you might not need because of the area where you live. If you live in a state where storms that bring torrential downpours occur or if the land isn’t suitable for draining, then you want to consider getting flood insurance. You can always get a policy for a few years to see if it would be beneficial and then cancel the policy if you don’t want it any longer.

Renting Your Home

If you’re renting your home, then you likely won’t need to obtain St Augustine FL flood insurance. Your landlord will usually be responsible for any damages that occur as a result of flooding. Keep in mind that any water damage in your home that is caused by your own hand or neglect usually isn’t covered by a flood insurance policy. Before renting your home, talk to your landlord about what you need to cover on your own and what is covered by your rental insurance.

Contact Thompson Baker Agency, Inc. at http://thompsonbaker.com for more information about why you might need a flood insurance policy.

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