Flood Insurance in Long Island Can Keep the Property Safe

Lindenhurst, NY, November 21, 2016 (Newswire.com) - ​Natural calamities can never be predicted. No one can say when something that started off like a light drizzle will end up in a flood situation. Homeowners who have a homeowners insurance in place might think that it is enough to keep one and the property safe and covered. But a homeowner’s insurance is not just sufficient. Insurance companies do not entertain all homeowner’s insurance as it does not offer coverage for flood damage. That is why homeowners have to get a separate flood insurance in Long Island. This is an extra insurance policy that is designed to provide protection to the home as well as the belongings. First Choice Insurance Agency offers a comprehensive insurance policy in this regard.

All homeowners are eligible for a flood insurance as long as the property is located in a community that participates in the National Flood Insurance Program. The premiums are pre-set by the U.S. government so that the rate is uniform for all insurers. Homes, apartments, condos and business structures are all eligible for a flood insurance. This does not matter whether one’s property has flooded previously or not. One is still eligible for buying flood insurance.

A flood damage can result out of any situation. Starting from precipitation accumulation, broken water pipes or damage from snowfall. In the US, floods occur in the list of top 10 natural disasters and the reason for massive property damage. Hence, those who own a home or business in a designated flood zone and have a mortgage, it is best to carry a flood insurance.    

All their insurance professionals take the time to talk with their clients’ about FEMA’s guidelines and the flood insurance requirements and then can guide the homeowner with elevation certificates if to reduce costs.

First Choice Insurance Agency, Inc., also offers auto insurance in West Babylon, homeowners insurance, business or commercial insurance, and more.

About The Company

First Choice Insurance has been providing a full range of complete services for personal and commercial insurance since 1987. They offer auto insurance in West Babylon, flood insurance in Long Island, life insurance, commercial insurance and more.

Source: First Choice Agency