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What to Know About Flood Insurance in Calimesa

Little & Sons Insurance Group / Homeowners Insurance  / What to Know About Flood Insurance in Calimesa
What to Know About Flood Insurance

What to Know About Flood Insurance in Calimesa

Flood insurance in Calimesa is something that causes much confusion among the population. We are here to help clear up some of the misconceptions that orbit this insurance policy.

Flood insurance is a policy that protects your home against floods–natural or otherwise–and provides you with reimbursement for repairs/replacements. However, what is covered and what is not seems to be at the root of the confusion. Here are a few important things you need to know about flood insurance in Calimesa.

  1. Homeowners insurance is void for flood damage.
    Homeowners insurance does not cover floods. That means if your home suffers from flood damage, your insurance will not provide any coverage. You may be able to purchase flood insurance through the National Flood Insurance Program.
  2. Flood zones have different insurance costs.
    The zone in which you live will, among other things, determine the cost of your insurance policy. If you live in a high-risk area the more you will pay, and likewise, if you live in a low-risk area the less you will pay.
  3. Flood insurance is for all.
    You don’t have to live in a coastal city to acquire flood insurance, and you shouldn’t have to. Rain, flash floods, sewer backups, and sump pump malfunctions can all cause flood damage to your home for which you would need flood insurance.

Our dedicated team can help you get the flood insurance you need along with the right homeowners insurance. We serve Banning, Beaumont, Calimesa, Redlands, and the surrounding California area and can help you protect yourself against the risks your home faces. The right insurance coverage shouldn’t be a task you have to worry about, so contact Little & Sons Insurance Services.

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