When buying a home, there are many costs that you may not have even considered. Maybe its fire insurance, paying for propane instead of electric heat, or even your city taxes! All those costs can really add up.
Many people think that maybe since they’re on a hill or they aren’t by any rivers or lakes that they aren’t susceptible to flooding. They could be wrong.
Alternatively, some people may think their homeowners’ insurance will pay for the damage. While some policies will cover the damage from a sewer backup, damage from flooding requires a different policy.
There really is no easy way to determine if you need flood insurance or not. Depending on your location, if your basement is finished, the list goes on. Only you know what you need but your agent is always there with advice and guidance. So, call your Farmers Union Insurance agent. They know whats best for you and your lifestyle!