Flood Insurance in Bronson, MI

Water can inflict significant property damage, potentially leading to expensive losses involving your home and possessions. As a responsible homeowner, this means you must account for the threat of floods. Even a small amount of floodwater in your home could inflict costly damage, making appropriate flood insurance necessary.

Why Is Flood Insurance Important?

Flood coverage can fill a perilous gap in many homeowners’ coverage. Many home insurance policyholders may not realize that their coverage may expressly exclude floods as coverage perils; those with standard policies may be unable to file a claim for resulting losses. Thus, acquiring and maintaining a flood endorsement or separate policy is essential, especially for those in areas at high risk of floods, such as those near bodies of water or that experience heavy precipitation.

What Does My Policy Cover?

Flood insurance can help financially protect your property and finances and typically includes the following primary features:

• Buildings coverage can help you repair, restore or rebuild the structural elements of your home, including its walls, roof, foundations, attached fixtures and larger appliances.
• Contents coverage may assist with losses related to belongings stored in your home, such as furniture, clothing and electronics.

How Much Does Coverage Cost?

When calculating quotes for flood coverage, you should expect many factors to be considered. This may include but not be limited to the following:

• Location
• Home’s structural details (e.g., number of floors, age and construction materials used)
• Lot specifications (e.g., topography and distance to bodies of water)
• Estimated rebuild cost
• Value of insured contents
• Coverage limits
• Deductible

How to Get the Right Policy

Flood coverage may be available through the Federal Emergency Management Agency’s National Flood Insurance Program, as well as private insurers. At Hathaway Agency, Inc, we’ve served homeowners and families since 1938 and will use this experience to find you the right coverage.

Contact us today to get started.