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I have a cousin in Holland Michigan who incurred $20,000 in flood damage due to heavy rains this past spring. Neither she nor her neighbors lived in a flood zone, so she did not have flood insurance. Consequently, I am investigating getting flood insurance for our home.
Preliminary results indicate that I can get flood coverage that covers $50,000 of belongings and $23,000 of building damages at the cost of approximately $190 annual premium.
While checking online for information about flood insurance, I ran across the map pictured to the left that shows the probability of being hit by a hurricane, based on our history. The map is found on an insurance company site, so they are trying to sell policies. So for whatever it is worth you can click here to see the map and more information.
Another site, sponsored by a different insurance company, offers this advice: "Flood insurance covers the structure of your home and your personal property in the event of a flood. Typically long, heavy rain leads to the type of flooding that is covered by a flood policy. However, there are other ways that a home can sustain water damage (such as a pipe bursting in the wall) that are not usually considered floods so you should be sure of what your home or renters insurance policy covers." http://www.geico.com/information/aboutinsurance/flood/
I have a cousin in Holland Michigan who incurred $20,000 in flood damage due to heavy rains this past spring. Neither she nor her neighbors lived in a flood zone, so she did not have flood insurance. Consequently, I am investigating getting flood insurance for our home.Preliminary results indicate that I can get flood coverage that covers $50,000 of belongings and $23,000 of building damages at the cost of approximately $190 annual premium.
While checking online for information about flood insurance, I ran across the map pictured to the left that shows the probability of being hit by a hurricane, based on our history. The map is found on an insurance company site, so they are trying to sell policies. So for whatever it is worth you can click here to see the map and more information.
Another site, sponsored by a different insurance company, offers this advice: "Flood insurance covers the structure of your home and your personal property in the event of a flood. Typically long, heavy rain leads to the type of flooding that is covered by a flood policy. However, there are other ways that a home can sustain water damage (such as a pipe bursting in the wall) that are not usually considered floods so you should be sure of what your home or renters insurance policy covers." http://www.geico.com/information/aboutinsurance/flood/
