3 Reasons Your need Flood Insurance in Harrisburg, PA

In Harrisburg, PA flooding is to be expected. Henderson Insurance Agency knows that you want to protect your home, which why we’re here to help you get the necessary flood insurance coverage.

Reason 1: The Susquehanna River. Flooding has caused extensive damage during hurricanes, superstorms and following freeze-overs because the Susquehanna overflows, sending gallons upon gallons of water into the city streets and homes. The best way to protect against the next flood is with flood insurance. When the water rises, you’ll want to make sure your home is protected against the damage that follows.

Reason 2: Your mortgage lender probably requires it. Flood insurance isn’t mandatory in Pennsylvania, and it isn’t included in homeowner’s insurance, so your lender may require you carry it to protect their interests and yours. If a flood ravages your home and you lack insurance coverage, you’ll be required to pay for any repairs. This could mean several things for your lender: You can’t afford the repairs, so they go undone, which decreases the value of your home; your home becomes a total loss, and you will still be required to pay the mortgage because you have no flood coverage to help you pay; you abandon the home, damage and all, leaving the lender with an unsalvageable, unsalable property.

Reason 3: Your property will be easier to replace with flood insurance. There is no guarantee that you will be able to recover all for your lost items, but the right flood insurance can make it easier.

A flood can devastate your home physically and financially, but flood insurance can help keep your family afloat as the tide subsides. Contact Henderson Insurance today for more information about flood insurance and how you can protect your home.