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The two primary methods of insuring property are open perils and named perils. Open perils cover everything that can cause a loss not specifically excluded in the policy. Common exclusions might include damage resulting from earthquakes, floods, acts of terrorism or war, and more.

Named perils are causes of loss that must be specifically listed in the policy coverage. Common named perils might be fire, lightning, explosions, hurricanes, and more.

Flood Insurance
Flooding is defined by the National Flood Insurance Program (NFIP)as the complete inundation of two or more acres or two or more properties. If you live in a flood-prone area, you may purchase a policy from an insurance carrier that is part of the NFIP.

According to statistics, only 20% of American homeowners who are at risk of flooding have flood insurance. Flooding is considered an unacceptable risk because it only affects a small portion of the population and therefore there aren’t enough subscribers to cushion the financial blow of a catastrophic flooding event. As a result, the federal government created the NFIP.

Homeowners insurance is a requirement by mortgage lenders but it is also vital to homeowners in a number of ways. Homeowners insurance protects all the structures on your property against damage and assures that you will have enough money to repair your home. If it is damaged and deemed unlivable, homeowners insurance will pay for you to rent a place or stay in a hotel while it is repaired or rebuilt.

Also, if any of your belongings are damaged or stolen, homeowners insurance will pay for their replacement. Finally, it covers claims lobbied against you for injuries that happen on your property.

Using InsuranceUSA.com can help you find the right homeowners policy with flood insurance coverage. So, don’t delay any longer, simply enter your zip code and get started today!