What types of insurance coverage does 1-800-FLOODED recommend for homeowners?

1-800-FLOODED emphasizes the importance of comprehensive insurance coverage tailored to homeowners' specific needs, especially in regions susceptible to flooding. They typically suggest that homeowners consider a combination of standard homeowner's insurance and additional flood insurance. Most standard homeowner's policies cover damage caused by various disasters, but often exclude flood-related damage. Therefore, obtaining a separate flood insurance policy is crucial for those living in flood-prone areas. In addition to flood insurance, homeowners may benefit from liability coverage, which protects against legal claims due to injuries or damages occurring on their property. It may also be wise for homeowners to explore additional endorsements or riders to their policies that cover things such as personal property, temporary housing expenses, or sewer backup damage. Homeowners are encouraged to thoroughly review their insurance policies to ensure they have adequate coverage for potential risks unique to their location. For specific recommendations or guidance tailored to individual circumstances, homeowners can visit the official website of 1-800-FLOODED for more comprehensive information about insurance options and coverage.