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Buying flood insurance is important whether you live in a flood zone or not. Flooding can happen almost anywhere, and flood damage is one of the most significant causes of damage to homes in the US.
At T.D. McNeil Insurance Services, we insure homeowners in Folsom, CA against flood damage. If you are in the market for flood insurance, there are a few priorities that you should focus on.
The following are three key priorities when you buy a flood insurance policy:
Checking your options through the NFIP
The National Flood Insurance Program subsidizes flood insurance for homes in high-risk areas. If you live in a flood zone, you should definitely look into NFIP coverage before buying private flood insurance coverage. You may be able to enjoy significant savings with an NFIP-subsidized policy.
Looking into your deductible options
One of the biggest decisions you make when you buy flood insurance is what your deductible amount is.
Insurance providers typically provide a few deductible options. Choosing a higher deductible could be a good way to bring down premium costs. However, you should remember that a higher deductible means you’ll have to pay more out of pocket if you need to file a claim in the future.
Finding competitive rates by getting a few quotes
Always shop around to find a flood insurance policy with competitive rates. You should request quotes from a few different flood insurance providers and carefully compare these quotes before making a decision.
Give Us A Call
Get a quote on a flood insurance policy for your home in Folsom, CA by getting in touch with us today. At T.D. McNeil Insurance Services, we’re here to provide you with the insurance coverage you need to protect your home and finances.
