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Does your Home Owner’s Insurance provide coverage for Flood?

Posted on Jul 12, 2012 by in Active Rain | 0 comments

Does your Home Owner’s Insurance provide coverage for Flood?

This is an important question you need to check in your insurance policy. Many home owners often mistakenly believe that flood insurance is only needed or are only available for properties that are located in a flood hazard area or otherwise known as “flood zone”.

The best way to compare this response would be like saying, that your policy only covers Fires if you are located in a high Fire hazard zone, otherwise you do not need it.

To clarify this misconception, let me tell you that, flood is one of the most common natural disasters in the US. Floods can result from torrential rainstorms and or hurricanes. Keep in mind it is not geographically limited. Floods can be caused by melting snow as another example. Areas that had recently had new construction could have had the water drainage patterns altered, hence could be potentially in a flood area.

Flood Insurance is a must for all home owners,Endre Barath

So if you live in one of the 50 states of the US you could be affected by floods. So please do not wait for disaster to strike, be proactive and check out your policy and if it is not covered get a binder to cover it.

ocean view homes in Marina Del Rey, Endre Barath

So do not become a victim of uninsured flood loss that you can cover easily.


If you are a consumer who is considering buying or selling a home, investment real estate, vacation homes, or beach properties in Southern California, Los Angeles, Century City, Westwood, West Hollywood, Beverly Hills, Culver City, Playa Vista, Marina Del Rey, Venice or Malibu. Feel Free to give me a call at 310.486.1002 or email me at or visit one of my websites at Your Pet Friendly Realtor. I contribute a portion of my commission to Local Animal Rescue Organizations


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