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Hurricane/ flood insurance worth it?
Posted by: Mofo ()
Date: March 10, 2010 12:06PM

Recently new home owner here of a townhouse (both sides bordered by another house) in FFX CO.

I have a normal homeowners policy but am reading about how we are going to have an active hurricane season. Is this extra insurance worth it or wasted money??

Thanks.



Edited 1 time(s). Last edit at 03/10/2010 02:08PM by Mofo.

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Re: Hurricane/ flood insruance worth it?
Posted by: Gonads & Strife ()
Date: March 10, 2010 12:10PM

Don't forget to purchase cloud insurance while you're at it.
Attachments:
cloud insurance.jpg

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Re: Hurricane/ flood insruance worth it?
Posted by: Huntington ()
Date: March 10, 2010 01:34PM

Our neighborhood is flood prone so we absolutely have flood insurance. Homeowners Insurance won't cover flood damages depending on "how the water entered the home", meaning did it come up through the main drain, or did it come in through a basement window. Check with your neighbors on whether your basements have ever flooded. Our flood insurance is around $400 a year and well worth it. Though it would be nice if the County would stop dicking around and dredge Cameron Run and build the flood wall.

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Re: Hurricane/ flood insurance worth it?
Posted by: Radiophile ()
Date: March 10, 2010 02:46PM

we are not in a flood zone but I got it because the poster is right - it does not matter how the water entered your home. If your jerk neighbor busts a water main and floods the community of just your house, regular homeowners insurance wont cover it. At least this is the way my shady insurance agent explained it to me.

As for hurricane insurance, I never heard about. I would think if you are not in a hurricane prone area, it would fall under regular homeowners. But ask YOUR shady insurance agent about that.

FYI - I added all sorts of insurance and upped my coverage after 911. I live in a townhouse. My homeowners insurance is through Allstate and is about $800 per year.



Edited 1 time(s). Last edit at 03/10/2010 02:48PM by Radiophile.

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Re: Hurricane/ flood insurance worth it?
Posted by: Mofo ()
Date: March 10, 2010 04:33PM

Radiophile Wrote:
-------------------------------------------------------
> we are not in a flood zone but I got it because
> the poster is right - it does not matter how the
> water entered your home. If your jerk neighbor
> busts a water main and floods the community of
> just your house, regular homeowners insurance wont
> cover it. At least this is the way my shady
> insurance agent explained it to me.
>
> As for hurricane insurance, I never heard about. I
> would think if you are not in a hurricane prone
> area, it would fall under regular homeowners. But
> ask YOUR shady insurance agent about that.
>
> FYI - I added all sorts of insurance and upped my
> coverage after 911. I live in a townhouse. My
> homeowners insurance is through Allstate and is
> about $800 per year.


Interesting I might want to ask about flood but I don't think I'm in a flood prone area. I'll find out soon with the coming rains.

My homeowners policy is only 340 a year or so through fidelity.

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Re: Hurricane/ flood insurance worth it?
Date: March 10, 2010 04:42PM

My understanding is that flood insurance covers water damage that normal home owners insurance won't. There are lots of ways to have water damage in your home, from busted pipes to failed water heaters to a neighbor letting their bathtub overflow. I would at least check it out. If it is cheap, it could be worth the investment.

---------------------------------------------------------------------------------
http://bible.cc/1_corinthians/13-11.htm

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