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Flood Insurance Policies Often Overlooked by Homeowners

Flood insurance is something all homeowners should look at while living in Utah.


St. George, UT - Utah Insurance company announces new flood insurance policies for homeowners in Utah.† Flood insurance is one of those additional insurance policies that often times gets overlooked by many homeowners, especially if they donít live near a beach or flood plain. Itís also a common misunderstanding that flood insurance is part of a homeowners insurance policy.†

Each year, runoff from the snow-packed mountains of Utah, threaten several homes and residences that lie in the valley.†† According to Reed Brasher, CEO of Brasher Insurance Group, about 95% of all homeowners insurance policies do not protect homeowners from floods.†

One way to add protection to a home is buying flood insurance.† Homeowners have to add flood insurance as an additional policy, which is always a good idea even if the property is not located in a flood plain.†† Typically any home that exists in a flood plain is required to have flood insurance and for good reason.† The chances of flooding and causing physical damage is high in these areas.

According to the Hartford, homeowners are thirty times more likely to have a flood loss over a fire loss.† They also claim that ninety percent of all disasters in the U.S. are flood related.† With programs like FEMA (the Federal Emergency Management Agency) homeowners can check their neighborhoods using maps to determine flood areas.

There are two types of flood policies.† One that covers the structure of the building and the other that covers the personal belongings inside.†† Flood insurance premiums typically start at $300 per year depending on flood risks.


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