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Kempton Insurance Group

7427 Matthews Mint Hill Rd
Suite 105-356
Charlotte, NC 28227

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Why Everyone Needs Flood Insurance

When You want to keep your home well-protected, getting home insurance is just one part of that protection. However, home insurance does not cover many types of floods, and this can leave you vulnerable if you don’t have separate protection against them. With flood insurance, you will get that protection against the extreme amount of damage that can be done by flooding. To get your flood insurance policy, call us at Kempton Insurance Group in Charlotte, NC to get started. 

Who Should Have Flood Insurance?

There are many areas that are designated high-risk zones for flooding. These areas may be low-lying and tend to attract floodwaters, or they may be close to a body of water that has a tendency to flood every once in a while. While it’s important to have flood insurance if you are in one of these high-risk zones, it’s also important to have flood insurance if you aren’t. About one in every five flood claims after a flood come from areas that are not in high-risk zones. That makes it important to have this protection even if your area is at low risk for flooding. Flooding can be extremely expensive and cause untold damage to a house, even destroying a home. No one should be without protection against this risk. 

The National Flood Insurance Program

Flood insurance in the U.S. is sponsored and backed by the National Flood Insurance Program, a government program that guarantees coverage. The NFIP recommends that everyone should have flood insurance in case of one of these disasters. They set the pricing for this coverage, so it isn’t necessary to have to shop around for a good price on it, as the price is always the same. 

Get Your Flood Coverage

When you’re ready to get a flood insurance policy, give us a call at Kempton Insurance Group in Charlotte, NC.

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