Floods cause a lot of damage to American homes every year. That’s why homeowners in Tallahassee, FL need to make sure that they have adequate flood coverage. At Kingdom Tree Insurance Group, we offer flood insurance coverage to area homeowners.

The following are four things you might not know about flood insurance.  

You probably need flood insurance even if you think flooding is rare in your area.

Too many homeowners think that flood damage is only a risk in certain areas. The truth is that flooding can happen almost everywhere.

You shouldn’t forego flood insurance coverage simply because you’re not in a high-risk flood zone. 

You need to purchase flood insurance separately from your home insurance policy.

A standard home insurance policy never covers flood damage. While home insurance providers offer a flood insurance coverage add-on option in some situations, homeowners usually need to buy flood insurance coverage separately from their home insurance. 

The NFIP can subsidize flood insurance in many situations.

Government-subsidized flood insurance coverage is probably available to you if you live in an area with a high risk for flooding. Buying a policy that the NFIP subsidizes could save you a lot of money and make flood insurance affordable. 

Your mortgage lender might require you to carry flood insurance.

It’s important to be aware of what your mortgage lender’s flood insurance requirements are. Many mortgage lenders require flood insurance. If this is the case, you’ll need flood insurance before you can finance your home purchase. 

Kingdom Tree Insurance Group is an insurance provider offering coverage to consumers in Tallahassee, FL. Call us for a policy quote to protect your investment in your home.