Many homeowners don’t feel at risk for flood, but according to the US Government floods are the #1 natural disaster in the United States. A flood is a general and temporary condition where two or more acres of normally dry land, or two or more properties are inundated by water or mud flow and homeowner policies do not provide coverage. The causes of floods are many and may include things such as snow melt, ice jams, spring thaw, heavy rains, tropical storms, and hurricanes. The solution to protecting your home from the peril of flood is by purchasing flood insurance.

Many homeowners don’t feel at risk for earthquake, and although they are more likely in some areas, they can happen anywhere. Earthquake coverage is not automatically covered by a homeowner policy. This coverage can often be added to your homeowner policy at an affordable cost.