Flood Insurance

Flood damage can happen any time to any Pennsylvania resident, no matter your home or apartment's location. It is vital to procure flood insurance even if your property location is in a flood-prone area. The state of Pennsylvania does not demand homeowners to purchase flood insurance. Still, if your property location is in a flood zone, you may be required to buy your mortgage lender coverage. It’s vital to understand that standard homeowner's policy does not cover damages resulting from floods. Therefore, residents of Quakertown, PA, must purchase outstanding flood insurance, irrespective of where they live.

According to FEMA, studies reveal that all the states in the U.S have experienced some flooding over the years. Floods get regarded as the most far-reaching natural calamity other than wildfires. The average cost of a flood insurance policy in Pennsylvania through the National Floods Insurance Program is approximately $1,176 per annum. Still, it is also possible to get cheaper rates by comparing quotes from authorized privately owned flood insurance companies.

Most flood water damage accounts for 20% of all flooding events across Pennsylvania that are considered low-risk areas. Regrettably, many Quakertown, PA residents only think about flood insurance when a big storm is looming, or floods get predicted to be happening currently or too close to their proximity. It's vital to buy a flood insurance policy as it protects your structure(home) and your contents in your house from prevailing perils. Visit us today at R&R Insurance Group LLC offices and talk to our knowledgeable agents about getting a flood insurance policy matching your needs and budget.

What gets covered under a flood insurance policy in Pennsylvania?

There are two types of coverages preferred by NFIP. They include:

Building property policy: This coverage amounts to $250,000 for the structure itself. It covers the physical structure and its:

• Plumbing and electric systems.
• Foundation.
• Central and air heating systems.
• Attached bookcases.
• Paneling and cabinets.
• Detached garage.

Personal property policy: This form of policy covers up to $100,000 worth of personal belongings(contents)in the building. It's not mandatory but highly recommended. It covers:

• Portable appliances.
• Clothing.
• Furniture.
• Electronics.

Call us or visit our R&R Insurance Group LLC offices in Quakertown, PA for more information about a flood insurance policy.

While our office is located in Quakertown, PA, we service clients all across Pennsylvania & New Jersey.