Nobody ever thinks they'll wind up in a flood, but if you live in states that have a high probability of becoming flooded due to hurricanes or other natural disasters, it's best to have flood insurance in your back pocket.
Nothing feels better than peace of mind for you and your family, and the knowledge that you and your home is protected in the event of a flood.
Even if you don't live in a "flood-prone area," it's good to be aware that floods can happen anywhere due to dams and other water features like lakes, and streams that may overrun in the event of a big storm.
The Russell Agency, LLC offers flood insurance policies through both the NFIP and private flood insurance.
With flood insurance, you typically get two different kinds of coverage - that for your home and other buildings, and that for the contents of the structures.
When it comes to building coverage, insurance companies like The Russell Agency, LLC cover things like your home and its foundation, kitchen appliances, air conditioning units, water heaters, electric systems, and even the plumbing.
These can all be extremely costly to replace, which is why flood insurance is crucial to help you get back on your feet after a flood.
When we say "contents coverage," we're talking about things like your clothing, carpeting, washers, dryers, curtains, and even electronic equipment.
Flood insurance reimburses you with replacement cost values and actual cash values, depending on the unique situation. All of the contents of your home that you're covered by with your flood insurance will be covered with actual cash value, while you'll receive replacement cost value for your damaged property.
If you want to learn more about our coverage packages from The Russell Agency, LLC, feel free to give us a call today at 203-255-2877. We can answer any questions that you may have when it comes to flood insurance, and we can help you find the coverage option that's just right for you and your family.
We know it can be difficult, so we have professionals on staff who can help you come up with the best coverage for you.
Give us a call today!