Don’t forget that most insurance policies do not cover flood damage.
A separate policy is necessary to get flood damage coverage. Even if you are not in a “flood zone” consider getting the coverage for peace of mind. Many property owners are confused by their homeowners insurance policies and what is and is not covered. Many people believe that if water enters their home, their policy will cover the water damage. Perhaps the most simplified explanation of a flood is any water that rises from below the ground or touches the ground before entering a structure. You must purchase a separate flood policy to get coverage for this type of event.