Three flood insurance mistakes you don’t want to make

Getting flood insurance to protect your property is essential. Unfortunately, consumers sometimes make mistakes that cost them down the road regarding flood insurance.

At Cordell Insurance, we provide flood insurance to Baton Rouge, LA consumers. The following are three flood insurance mistakes you don’t want to make. 

Assuming that floods aren’t a big enough risk in your area

You don’t have to live in a high-risk flood zone to need flood insurance. Flood damage can happen almost anywhere.

It could cost you in many ways if you don’t buy flood insurance because you think it’s unnecessary in your area. When floods occur, they can destroy homes and homeowners’ possessions. 

Choosing the flood insurance policy with the lowest premiums

You must consider more than just premium costs when choosing a flood insurance policy. You need to consider the quality of the coverage you’re getting.

Research the history of insurance providers and find a provider with a track record for high customer satisfaction. Premium costs should be only one of many factors you consider when you buy a policy. 

Thinking that you can’t get flood insurance because you’re a renter

Renters should know that they can buy flood insurance. When you purchase flood insurance as a renter, you protect your possessions in your rental unit from damage caused by flooding.

You should carry flood insurance if you rent a home in an area where flooding is possible. 

If you are exploring flood insurance options in Baton Rouge, LA, we can help you at Cordell Insurance. We’re here to offer you a policy quote and answer any questions you have about insuring your home against flood damage.