Your insurance agent can assist you with various insurance policies, from home to car insurance. But can your insurance agent at Saucon Insurance Agency, serving Bethlehem, PA, help you get flood insurance?

It’s an excellent question. Flood insurance differs from standard home insurance policies. It’s important to understand the distinction between flood insurance and other types of insurance. Here’s what you need to know.

How Flood Insurance Differs From Typical Home Insurance

Unlike typical home insurance, which private insurance companies manage, flood insurance is managed by FEMA (the Federal Emergency Management Agency). This means you must request flood insurance separately from home insurance and pay for it separately as well.

How To Obtain Flood Insurance

Although a government agency manages flood insurance, you can still obtain flood insurance through your insurance agent. If you live in a high-risk flood area, talk to your insurance agent to determine how much flood insurance will cost. Flood insurance can help you mitigate some financial risks while living in an area at risk of floods.

If you have a federally backed mortgage and live in an area at risk for floods, you may be required to get flood insurance. If this is the case, you’ll have to prove that you have flood insurance before borrowing money for your home.

Need Flood Insurance? Contact Us

Do you need flood insurance? The professionals at Saucon Insurance Agency, serving Bethlehem, PA, are here to help. We work with many insurance carriers to help our customers get the right policy for their needs. As independent insurance agents, we have the ability to shop around for many types of insurance. Call today to get started.