Flood Insurance Archives - Page 2 Of 2 - Otterstedt Insurance Agency

Explain My Coverage

Written on February 12, 2019.

Understanding the types of insurance coverages available is a critical part of protecting you and your families financial security. Below are some of the top insurance coverages the average household requires. Auto Insurance Coverage Auto insurance coverage provides financial...

How To Know If You Are In a Flood Zone and Need Insurance

Written on April 19, 2018.

While many people can certainly use and benefit from flood insurance, people who live in areas that are designated as flood zones must have flood insurance if they have home mortgages. Even if you do not live in a designated flood zone, it is important to understand your risks and the...

4 Questions to Ask About Flood Insurance

Written on April 25, 2017.

Flood insurance is something all too many homeowners believe is covered under their standard homeowners’ insurance policies. This is not the case in most situations. In fact, most homeowner’s policies explicitly exclude flood damage from their coverage. This means you must buy a flood...

Is Damage From A Hurricane Covered?

Written on June 22, 2016.

While hurricanes can occur at any time of year, the main season for hurricanes is June through November. Historically, these are the dates when tropical activity is most likely to occur. Before hurricane season gets fully into swing, it’s a good idea for anyone living in a coastal community,...

Do You Need Flood Insurance in an Apartment?

Written on February 5, 2016.

Keeping your home protected is one of your top priorities. This is just as true for renters as it is for homeowners. While you can try to prevent damage or theft from impacting your home or apartment, there is one thing that you can’t prevent: the weather. If you are a renter, you may be...

What Does Flood Insurance Cover?

Written on August 19, 2015.

Standard homeowners insurance policies do not cover floods. Most people need to purchase coverage from the National Flood Insurance Program, usually called the NFIP. Even though the NFIP is a government program that was established to help property owners buy affordable flood...