Pennsylvania Flood Insurance...no flood ever plays fair!

Imagine losing everything you ever worked for.  Flood insurance provides protection for destruction and financial devastation caused by floods. And the experts at Henderson Insurance Agency in Harrisburg PA can provide the flood insurance protection you need. 

Although it may not seem like much, even a few inches of water can cause damage and result in thousands of dollars in repair and restoration costs. And homeowners insurance does not typically cover flood damage.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you plan on keeping your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of flood insurance coverages are available based on the history of your property’s location:

• Standard Flood Insurance Policies
  If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a Standard Flood Insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the program by adopting and enforcing floodplain management ordinances to reduce future flood damage. To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a Standard Flood Insurance policy.
  • Preferred Risk Policies
    If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost Preferred Risk Policy. While you are usually not required to purchase flood insurance in low-to-moderate risk areas, a Preferred Risk Policy will protect your home and its contents if you are affected by a small flood, or a larger flood that has extended into your low risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.
  
  

Don't wait until it's too late.  For more information on Flood Insurance contact, Rosalie at 717-652-8355, ext. 12 at Henderson Insurance Agency or fill out our form above for your online Flood Insurance Quote.

Pennsylvania Insurance Agency offering Flood Insurance policies in
Harrisburg, Frederick MD, Philadelphia , and Pittsburgh Pennsylvania.