Owning a home means protecting that home from a wide range of events. Accidents, disasters, and other damaging events can cause expensive damage. One way to ensure you have the protection you need is to get flood insurance. This is essential coverage that protects you in case of flooding. Flooding can cause a lot of serious damage to a home. If you don’t have flood insurance, paying for the necessary repairs could be extremely expensive. Call us at Luebbering Insurance Agency LLC in Jefferson City, MO when you need flood insurance.

The National Flood Insurance Program

When you need flood insurance, a government-backed program provides this coverage. FEMA supports it, and it’s highly reliable and well-established. The Program sets the price of flood insurance. With this price in place, you will pay the same for your flood insurance no matter where you go. You also need a flood insurance policy if you already have home insurance. Home insurance doesn’t cover floods. If you don’t have flood insurance and a flood strikes, you will be responsible for paying for all the damages. 

Flood Zones

Certain zones are designated as flood zones. These areas are known to have floods within a certain number of years. However, among flood claims, about 20% of them come from outside of flood zones. These are areas without any flood designation. Because this happens so often, everyone needs to have flood insurance, no matter where they live. 

Get Your Flood Insurance Policy

If you’re a homeowner without flood insurance, it’s time to call us to find out more. Contact us at Luebbering Insurance Agency LLC in Jefferson City, MO to get started with your own policy.