In Pembroke Pines, FL, understanding the difference between flood insurance and home insurance is crucial. With the city’s proximity to the coast and susceptibility to tropical storms, homeowners need to ensure they have the right coverage. At H&H Insurance Agency Inc., we’re here to help you navigate these complexities.
What Home Insurance Covers
Home insurance typically covers damage to your home and personal belongings due to perils like fire, theft, and certain types of water damage. However, it’s important to note that standard home insurance policies do not cover flood damage.
The Role of Flood Insurance
Flood insurance is designed to fill the gap left by home insurance. It covers damage caused by flooding, which can be a result of heavy rains, storm surges, or overflowing bodies of water. In a flood-prone area like Pembroke Pines, this coverage is essential.
Why You Might Need Both
Given the distinct coverage provided by home and flood insurance, many homeowners in Pembroke Pines find that they need both policies. This ensures comprehensive protection against a wide range of potential damages.
H&H Insurance Agency Inc.: Your Partner in Home and Flood Insurance
At H&H Insurance Agency Inc., we’re committed to helping Pembroke Pines’ homeowners understand their insurance needs. Whether you’re looking for home insurance, flood insurance, or both, we’re here to provide the guidance you need.
