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St Petersburg, FL 33702

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Do You Need Flood Insurance if You Have Home Insurance?

Owning a home on the water is a dream that many people do not get to enjoy. However, by owning a home in St. Petersburg, FL, even if you are not right on the water, then you get to enjoy it whenever you want. For more homes, having a home insurance policy is enough, but here in this area, TBIG Insurance, Inc. recommends having a flood insurance policy as well. 

One of the common misconceptions about a home insurance policy is that it will also cover any floods. In fact, there are very few home insurance policies that have a flood insurance component. More often than not, you are not covered by a flood policy if you do not have one in place. Unfortunately, many people find this out the hard way when they try to submit a flood claim through their home insurance policy. You do not want this to happen to you. You should make sure that your home insurance policy does cover it before assuming so. If it does not, you will want to make sure that you have flood insurance for hurricanes and common storms. A flood can happen at any time, though, and does not always need to be associated with a hurricane or storm surge. This is why it is important to have flood insurance all year long on your home, not just during hurricane season. 

If you have a home insurance policy but not a flood insurance policy, then it is time to get one in place. A flood can happen at any time, not just during a hurricane or tropical storm. Be sure to reach out to us today at TBIG Insurance, Inc. serving St. Petersburg, FL. We can help you find the right policy for your needs and will make sure that we find one to fit within your budget.