![]() Tell your insurance professional that you need flood insurance coverage, even if you are not in the highest-risk areas for flooding. Losses caused by flooding may not be covered by standard homeowners’ insurance policies. If you live in a hurricane evacuation zone, you are also at risk from saltwater flooding. If it can rain where you live, it can flood where you live. Get the Checklist What about flood insurance? Having a membership in a professional, alumni, or business groupĬontact your insurance company or professional agent every year for an insurance checkup to ensure your coverage keeps pace with your needs, belongings, and the perils you face.Installing smoke detectors, burglar alarms, sprinklers, or other improvements, such as hurricane shutters or reinforced roofing, or other hazard mitigation devices.Purchasing home/renters and auto insurance from the same provider.Some insurers offer discounts for the following: Ask your insurance professional about potential discounts, incentives, or other savings available on the cost of your policy. Be sure you understand deductibles, waiting periods before coverage begins, and procedures for notification of insurers when a loss occurs. Review whether property insurance policies cover actual cash value or replacement cost. The insurance industry identifies the cause of loss, such as fire or theft, as a “peril.” Check your policy to determine which perils are covered. ![]() ![]() Medical protection: Payments for a person who is injured on your property.Personal liability: Accidents occurring on your property.Loss of use: Compensation if you need to relocate temporarily due to covered damage.Personal property: Furniture, clothing, and appliances.Other structures: Garages, decks, and fences.What will my insurance cover after a hurricane?Ī homeowner’s insurance policy generally provides these areas of coverage: ![]()
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