Many homeowners value the security that comes with investing in homeowners’ insurance. However, understanding what is covered and what is not can sometimes be unclear. Our Griswold, CT, team at Trahan Insurance Agency LLC is here to help. We understand that owning a home comes with many responsibilities and unexpected situations, which is why we aim to help clients navigate the details of their homeowners’ insurance policies.
What Is Homeowners’ Insurance?
Homeowners’ insurance is a bundled type of coverage that protects a homeowner’s house, property, personal belongings, and more. This insurance also includes liability coverage in case someone is injured on your property. Additionally, mortgage companies require homeowners to carry insurance to protect their investment in the property.
Will My Homeowners’ Insurance Cover Flood Damage?
Unfortunately, homeowners’ insurance policies are not designed to cover flood damage. However, they do provide coverage for water damage originating inside your home, such as burst pipes or other internal issues. Floods, on the other hand, are defined as water entering your home from outside, typically due to natural disasters. To cover flood-related damage, you would need to purchase a separate flood insurance policy. Flood insurance can also cover damage to your car if the damage is caused by a flood.
We’re Here to Help
At Trahan Insurance Agency LLC, we aim to take the guesswork out of understanding your homeowners’ insurance policy and what it covers. We encourage our Griswold, CT, clients to reach out with questions because we want to provide clarity. Whether you’re an existing client or a new one, our goal is to educate and assist you. Please give us a call if you have any questions about your coverage.