Just because you have home insurance doesn't mean your home is protected from everything that can happen. If you live in Virginia, you might also need flood insurance from Lucas Brothers Insurance Services.
For the most part, your home insurance will cover anything that happens to your home. However, it's important to understand that there are some things your home insurance specifically won't cover. In general, a home insurance policy will cover fire or lightning, windstorms, hail, explosions, smoke, theft, vandalism and more. However, you should never expect a home insurance policy to cover floods or earthquakes. Instead, you need to purchase separate coverage for these perils if you want to protect your home from everything.
While flood insurance isn't generally required, it may be depending on where you live. Certain parts of the country are labeled flood zones, which means homes in those areas are more likely to experience flooding. If you purchased your home recently and you're still paying off your mortgage, the bank you're borrowing from will generally require you to have flood insurance if you're in a flood zone. You can find more information about flood zones on the Virginia Department of Conservation and Recreation website.
If you decide to purchase flood insurance, it's important to understand what's covered. The good news is, flood insurance is pretty basic in terms of what it covers. Not only will flood insurance cover damage to your home that results from flooding, it will also provide coverage for damage to your property inside the home.
Having flood insurance is crucial if you live in a flood zone and a good idea even if you don't. Fortunately, Lucas Brothers Insurance Services can help. If you need flood insurance for your Virginia home, call an agent at Lucas Brothers Insurance Services to get a quote today.
