While it is not something that is commonly known, flood insurance is usually not included in home owner’s insurance. Because of this, some people think that they may have this type of coverage when they don’t. It is important to know exactly what is covered by your existing policies and if you do not know whether you have flood insurance or not, you need to take a look. If you do not have the coverage, the next step is determining if you need it. To help you make that decision, ask these questions from Kingdom Tree Insurance Group, serving Miami and Tallahassee, FL, about your home.

• Do you live in a flood zone? It is a good idea to find out what the flood risk is in your area. If you are in an area with moderate or high risk, then it is a smart idea to get some coverage.
• Do you live in an area that is prone to hurricanes? If you live in an area that is prone to hurricanes every year, then you are likely to get some flooding as well. With hurricanes come a lot of rain and it is best to have this protection in place.
• Does your mortgage lender require it? You should check to see if this is a requirement for your mortgage. If so, then it is a good idea to start pricing it out and get a policy so that you can ensure that you are remaining compliant with your lender’s policies. 

Now that you know if it is a good idea, it is time to start getting quotes for coverage. Contact Kingdom Tree Insurance Group, serving Miami and Tallahassee, FL, to get started today and find the right policy for your needs.