Floods are unpredictable. It doesn’t matter where you live. If enough rain falls fast enough, you’re at risk.

Luckily, LG Insurance Group can help. In addition to writing policies, the Marietta, GA agency also answers six common questions about flood insurance.

What does flood insurance cover?

As the name implies, flood insurance covers damage caused by rising water. This applies to the building itself and any possessions inside.

Is flood insurance required?

Flood insurance is required only if you live in a high-risk area and currently have a government-backed mortgage. However, it’s always recommended. In fact, FEMA reports that residents in low or moderate flood zones are five times more likely to experience a flood than a fire in their home.

Are floods covered by homeowners insurance?

No. Floods are often excluded from typical homeowners policies.

Does flood insurance only apply to homeowners?

Flood insurance is just as important if you rent. Although the leasing company has its own policy, this covers the exterior of the building and the structure alone. For coverage of any belongings inside, personal flood insurance is necessary.

How much does flood insurance cost?

Prices vary depending on location, the type of coverage needed, and the property’s flood risk. If you live in a lower risk area, you may qualify for a less expensive, preferred policy.

Where can I buy flood insurance?

The government provides the National Flood Insurance Program. These policies are sold through local, private companies and are federally supported.

Reach out to an agent serving Marietta, GA

LG Insurance Group can’t prevent floods from occurring, but they can ensure you’re protected. Located in Marietta, GA, their agents are waiting to find the right policy for you. Call today.