Flood Insurance vs. Home Insurance

The unique climate and geography of Falcon, CO, can leave some local homeowners uncertain about whether they should have comprehensive home insurance or flood insurance to protect their most valuable possessions from the aftermath of natural disasters. These disasters can include damage from heavy snow, wildfires, tornadoes, and extreme heat.

In the article below, Pikes Peak Insurance Agency in Falcon discusses the key differences between home insurance and flood insurance.

Flood Insurance vs. Home Insurance – What’s The Difference?

If you’re wondering how much flood insurance is included in your home insurance policy, the answer is likely none. A typical home insurance policy offers protection for the interior and exterior of residential homes and their contents. Most insurance companies consider natural and man-made flooding events as high-risk events that require their own separate coverage.

Homeowners in Falcon should have a comprehensive home insurance policy to establish a foundational layer of insurance protections. This shields their homes and personal belongings from loss, theft, or damage related to natural disasters, home invasions, and theft.

Protect Your Home from Natural Disasters, Thefts, and Flooding in Colorado

A well-structured home policy will include provisions like liability for legal defense, medical payments, and additional living expenses in case your home becomes temporarily or permanently uninhabitable. The best way to ensure that you have adequate coverage for both home and flood-related damages is to talk to your trusted local insurance agent and review your existing policy coverage.

A knowledgeable agent can explain your existing policy, answer your questions, and help you develop a comprehensive plan to protect your home and family from devastating financial losses.

Contact Pikes Peak Insurance Agency in Falcon to get answers to frequently asked questions about home insurance and learn about which coverages you qualify for today!