Reasons To Have Flood Insurance For Your High Value or Historic Home

In the event that your home floods, Pearson Wallace Insurance can help provide you with flood insurance. Flood insurance isn’t typically covered through your homeowner’s policy, you have to add it as additional coverage. Flood insurance covers damage to your personal property and home such as structural damage, basement protection, debris removal, personal belongings coverage, and replacement cost coverage. 

We can match you to one of our carriers that offers complete flood insurance coverage. CHUBB Insurance, who we are partnered with, gives 10 reasons on their website why you should consider getting flood insurance. We are going to highlight below the ones that we believe are most important. 

• While some policies only address flooding events impacting multiple properties, with the help of CHUBB, we can offer comprehensive flood policies that cover both widespread occurrences and losses specific to your property. 

• If you own a high value or historic home, there are flood policies that will cover for both the building and the contents. Water tends to gravitate to the lowest point; a flood insurance policy protects the structure but also the finishings and contents of your basement as well. 

• Additional coverages for living expenses can be part of your flood insurance policy. If you have to stay in a hotel or a comparable home in your neighborhood or school district while your home is being fixed, flood insurance will cover that. 

• If you know that flooding is about to happen to your home or want to take preventative measures knowing a storm is coming, some carriers like CHUBB offer to cover the cost of sandbags or help you relocate your property with flood insurance. 

Pearson Wallace Insurance stands as your partner in flood protection. Our flood insurance policies go beyond the ordinary, offering comprehensive coverage that is tailored to your unique needs. Flooding is an unforeseen challenge that can negatively impact your life. We are committed to ensuring that your property, basement finishings, and personal belongings are properly protected. With high coverage limits and additional support for living expenses, we will make sure to get you the coverage you need with the right carrier. Contact us today to prepare for the unpredictable burdens that come your way.