Just like hail, lightning strikes or high winds, floods are unpredictable weather events that could damage your home. Even if your home has never flooded before, that doesn’t mean it won’t. Therefore, you’ll want to protect your dwelling and the contents inside in case such a flood ever occurs. Flood insurance is the resource you can use to make repairs and replace damaged belongings.
However, because most standard home insurance policies will not cover flooding, you’ll have to buy flood insurance separately. It’s much more affordable to pay a regular premium on your policy than to go completely uninsured if a flood ever does occur.