Florida flood and homeowner insurance.

You should consider purchasing flood insurance as part of your homeowner’s insurance coverage. Flooding can cause thousands of dollars of damage to your home, contents and personal property and it does not require more than a few inches of flooding to be damaging.

Buying flood insurance

Flood insurance rates are determined by the risk of the area. Flood insurance maps show the high-risk areas of flooding. The cost of flood insurance will be higher in high-risk areas as compared to low and moderate risk areas. There is usually a waiting period so contact your insurer now to discuss your flood insurance needs.

Flooding concerns

Buying a home near water increases the possibility of flooding however flooding can happen anywhere regardless of water being nearby. If you are concerned with flooding check with your insurer about obtaining flood insurance when you purchase your next home.

Flood insurance maps

Comparing insurance rates

The State of Florida offers a way for home buyers to compare rates of insurance companies in hopes that this will make the buying process smoother and the home buying process less costly to the consumer. To compare rates in the county you are considering, visit http://www.shopandcomparerates.com/.

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