Flood Insurance Isn’t Just for High-Risk Areas

A lot of homeowners don’t think that much about flood insurance. Unless they live in a flood-prone area, they probably figure they’re safe from harm. Or they may think their homeowner’s policy covers flooding, so they don’t need to worry. But standard home insurance policies don’t cover flooding, and no one is immune. While there are places in and around the Selden, NY area where flooding is more likely than others, it can flood anywhere it can rain. At XL Brokerage Inc. we understand that insurance to protect your home from a flood is very important. We’ll help you understand the value of it and find the right policy for your needs.

You don’t need to put your home at risk from flooding when it’s easy to protect it with the right type of policy. We’re here to provide you with policy options, so you can choose the best one. You can get your questions answered, determine your risk, and then choose a policy that will keep your home safe and give you peace of mind for the present and the future. Sometimes the weather can do unexpected things, and that includes causing flooding in an area where a flood wouldn’t be a common occurrence. If your home is in one of these low-risk areas, it can still benefit you to have insurance to cover flooding issues.

Reach out to us today at XL Brokerage Inc. and let us give you information on flood insurance policies. We help clients in and around the Selden, NY area, and we want to add you to our list of satisfied homeowners who have adequate flood protection. Even if you live on higher ground, there are circumstances where a flood could happen. There’s no reason to leave your property at risk when we can help.

When should someone get umbrella insurance in New York?

Everyone in the Selden, NY area needs to carefully consider all of their personal insurance needs. One form of insurance that someone may need to get could be umbrella insurance. This is a form of personal liability insurance that will provide you coverage on top of the liability insurance that is provided by your auto or home insurance. There are several situations when someone in New York may want to get umbrella insurance. 

When They Want More Coverage

One situation when you should get umbrella insurance is when you want to have more insurance coverage. If you have a home or auto insurance policy, you are going to have a certain level of liability coverage. This is enough to cover you in the majority of all situations. However, there are still times when more liability coverage would be helpful. In these situations, having umbrella coverage would be helpful. 

Additional Coverage Situations

Another situation when someone should get umbrella insurance in New York is when they want coverage for more situations. While home and auto insurance offer coverage for a lot of risks, they do not cover everything that could result in personal liability. An umbrella insurance policy will give you coverage for a wider range of situations that come with a risk of liability. 

There are several situations when someone in the Selden, NY area should get umbrella insurance. If you believe that getting this form of insurance is right for you and your situation, you should call the team at XL Brokerage Inc. When you call XL Brokerage Inc. you can receive guidance that will help you to decide if this form of insurance is right for you. They can also help you to build a policy that provides the right type and level of liability insurance coverage.