Toedt Insurance Agency LLC, serving the greater Albany, NY area, is dedicated to helping our customers find the insurance products they need to protect themselves and the items they have invested in fully. One of the products that individuals in the state of New York may need is flood insurance.
One of the biggest misconceptions about homeowners insurance is that it protects your home against all elements, including floods. Many homeowners insurance policies preclude flooding, meaning they do not cover your home or belongings if a flood happens. The best way to determine if your insurance policy covers floods is to look at the exclusions list. If flooding is listed as an exclusion, you will need a separate flood insurance policy to protect your home and belongings. A great insurance agent can look at your home insurance policy and see if flooding is covered or excluded by your current homeowners' insurance policy.
Flood insurance is designed to protect your home and your belongings from flooding. This includes flooding due to heavy rains, flooding if a pipe bursts in your home or flooding if your water heater bursts. The exclusion to flooding policies is flooding that occurs due to a lack of care and maintenance. If your water heater burst because it was rusting and you did not care for it, flood insurance will likely not help you.
If you are not covered against floods, flood insurance is something that you should consider purchasing today. Reach out to us at Toedt Insurance Agency LLC, serving the greater Albany, NY region, and let us help you find the perfect flood insurance policy for your needs.
