{"id":1411,"date":"2020-10-05T22:56:54","date_gmt":"2020-10-06T02:56:54","guid":{"rendered":"https:\/\/insurancequotesct.com\/?p=1411"},"modified":"2020-10-06T00:10:03","modified_gmt":"2020-10-06T04:10:03","slug":"standard-home-insurance-policy-does-not-cover-flood","status":"publish","type":"post","link":"https:\/\/insurancequotesct.com\/standard-home-insurance-policy-does-not-cover-flood\/","title":{"rendered":"Standard home insurance policy does not cover flood \ud83c\udfca"},"content":{"rendered":"\r\n<h2>\u00a0<\/h2>\r\n<p><strong>Flood zones appear in several non-coastal locations and are based on a number of factors.<\/strong><\/p>\r\n<p><img decoding=\"async\" title=\"Flood zone 1\" src=\"https:\/\/insurancequotesct.com\/wp-content\/uploads\/2020\/10\/Flood-zone-1.png\" alt=\"Flood insurance zones\" width=\"1080\" height=\"1080\" \/><\/p>\r\n<p>A common misconception among homeowners and renters is that their homeowner or tenant policy covers damages as a result of flooding.\u00a0 Many think flood insurance is only required when you live along a coast line or next to a river.\u00a0 The truth is flood zones appear in several non-coastal locations and are based on a number of factors.<\/p>\r\n<p>Flooding damage can be costly.\u00a0 In fact, one inch of water can easily cause up to $25,000 worth of damage to your home and personal belongings, and the standard homeowners or renters policy does not provide coverage for flood damage.<\/p>\r\n<p>Flood insurance is often required by mortgage lenders when properties are located in a high risk flood zone.\u00a0 But anyone can purchase flood coverage for their residence if it is not mandatory by the lender. The National Flood Insurance Program, better known as NFIP, provides flood insurance for property owners and renters coverage NFIP participating communities. You can check with your local agent or insurance carrier to see if you are in a flood zone, which flood zone you might be in, and if the NFIP participates in your community.\u00a0 Flood insurance policies have a 30 day waiting period for new policies, unless the new coverage is for a home closing.\u00a0 The standard flood insurance policy provide coverage for buildings and optional coverage for building contents, which covers your personal belongings. To learn more about flood insurance please contact our office or visit www.FEMA.gov for more information. If you require a flood policy in your home, please contact our office to speak with a licensed insurance representative today!<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 Flood zones appear in several non-coastal locations and are based on a number of factors. A common misconception among homeowners and renters is that their homeowner or tenant policy covers damages as a result of flooding.\u00a0 Many think flood insurance is only required when you live along a coast line or next to a<\/p>\n","protected":false},"author":10,"featured_media":1417,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,6],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Standard home insurance policy does not cover flood \ud83c\udfca<\/title>\n<meta name=\"description\" content=\"Is flood insurance is only required along a coast line river? Flood zones do appear in non-coastal areas and based on a number of factors\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancequotesct.com\/standard-home-insurance-policy-does-not-cover-flood\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Standard home insurance policy does not cover flood \ud83c\udfca\" \/>\n<meta property=\"og:description\" content=\"Is flood insurance is only required along a coast line river? Flood zones do appear in non-coastal areas and based on a number of factors\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancequotesct.com\/standard-home-insurance-policy-does-not-cover-flood\/\" \/>\n<meta property=\"og:site_name\" content=\"Montagno Insurance Agency\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-06T02:56:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-10-06T04:10:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancequotesct.com\/wp-content\/uploads\/2020\/10\/Flood-zone-.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Carissa Polski\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Carissa Polski\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/insurancequotesct.com\/standard-home-insurance-policy-does-not-cover-flood\/\",\"url\":\"https:\/\/insurancequotesct.com\/standard-home-insurance-policy-does-not-cover-flood\/\",\"name\":\"Standard home insurance policy does not cover flood \ud83c\udfca\",\"isPartOf\":{\"@id\":\"https:\/\/insurancequotesct.com\/#website\"},\"datePublished\":\"2020-10-06T02:56:54+00:00\",\"dateModified\":\"2020-10-06T04:10:03+00:00\",\"author\":{\"@id\":\"https:\/\/insurancequotesct.com\/#\/schema\/person\/c4a75fa729099277d17e88384334644c\"},\"description\":\"Is flood insurance is only required along a coast line river? 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Carissa has been an Insurance Producer with Montagno Insurance now for more than 10 years. Her experience enables her to counsel our clients in any insurance matters that may come up. At home Carissa enjoys spending time with her friends and loves to travel!\",\"url\":\"https:\/\/insurancequotesct.com\/author\/2b8963ab6fb227da\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Standard home insurance policy does not cover flood \ud83c\udfca","description":"Is flood insurance is only required along a coast line river? 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