Nothing is more devastating than having your home damaged by floodwaters. The losses are typically significant, with the entire structure and the majority of your personal possessions damaged or destroyed. Your homeowners insurance policy does not protect your home and property against flood damage.
If you live in a high-risk area, you are likely aware that you need flood insurance, but even areas that are not considered high-risk zones can be subject to flooding, particularly with the changing weather patterns. Do you need flood insurance? Connect with one of our local agents at Shelby County Farmers Mutual Insurance Association in Harlan, Iowa, to find out exactly what you need to do to protect your home and property should a flood occur and damage your home and possessions.
How much would it set you back financially if you had to replace all your personal possessions, from furniture to electronics to clothing and other items? It is important to ensure that all you own is correctly valued and that the flood insurance policy you put in place covers your loss. Government-backed mortgage companies and other lenders require those who live in high-risk flood zones to have flood insurance. Even if you are not living in an area in which you are required to purchase flood insurance, your home and property could be at risk.
Our local team will work with you to identify the best policy for your needs – one that will provide you with the most protection against a rainy day. Connect with us. We care about the Harlan community and are always available to answer any questions about flood insurance or other policies that protect your home and property.