Why Do I Need Flood Insurance?

Did you know that flooding is the top natural disaster in the United States? While we think of large amounts of water when we think of flooding, only a few inches of water can cause thousands of dollars of damage to your Carteret County home. Obtaining flood insurance is a smart move for all homeowners, but especially those in areas more prone to flooding, like beachfront properties and some Crystal Coast locations. In fact, many homes or businesses located within a high-risk area are required to have flood insurance. Curious if your home needs flood insurance, or looking for a home in Carteret County or on the Crystal Coast that is safe from flooding? Our team can help! Contact us to speak to a team member today.

What Does Flood Insurance Cover?

Flood insurance is usually purchased from the National Flood Insurance Program, which covers your property up to a certain amount, your personal belongings up to a certain dollar amount, or both. Depending on the plan you choose, certain things will be covered. These can include your home and foundation, plumbing, electric, HVAC, kitchen appliances, water heaters, clothing, curtains, washers and dryers, and more.

Just as important as what is covered, it’s also smart to know what is not covered if you get flood insurance in Carteret County. Things such as trees, septic systems, swimming pools, retaining walls, patios, stock certificates, and other items are not generally covered. Be sure to speak with your insurance agent about what flood insurance plan is best for you. Our team can provide you with some guidance as well.