If you have a standard home insurance policy, then you may already know it won’t cover floods. Living in Illinois though, you can’t ignore the risk of floods and the damage they can do to your home. Before you decide it’s not for you, consider these points before opting out of coverage. 

Floods Can Happen Anywhere 

Even in dry area, floods can be a danger to homeowners everywhere. With the weather patterns such as they are, it’s definitely not going to get any easier to predict which way the figurative tide is going either. In high-risk areas, the lender will go so far as to require the insurance based on their liability. That’s often necessary, since close to half of Americans believe their home will be covered if it sustains flood damage. 

 Protecting What’s Yours 

Your home doesn’t just come together the moment you move in. It’s sometimes decades worth of accumulation of memories and love. Even a small amount of water damage can destroy what you have in practically no time at all. While some objects will never be replaceable, flood insurance takes some of the stress off you during a difficult time. It’s the different between starting to put everything back together again, and feeling like you’ve lost everything to one bad storm. 

Finding the Right Policy 

Do you want to cover your home structure or your structure plus your belongings? Do you want to have some type of coverage on the land as well? Rates will depend on the value and use of your property, and your specific questions are best answered by a good insurance company. George Ryan Jr. Insurance Group Inc serves Bourbonnais, IL, and can be just what you need to pick out a customized policy that works for you. Call today for a quote!