In Mapleton, UT, it’s important to have flood insurance. But how do you choose the right policy? There are a few things to consider when choosing flood insurance.

Do you live in a Special Flood Hazard Area (SFHA)?

Even if you don’t have a mortgage, getting flood insurance is good if you live in an SFHA. An agent at Maple Mountain Insurance Services can help you determine if you live in an SFHA. If you do, your lender will require you to have flood insurance.

What kind of coverage do you need?

There are two types of flood insurance policies: building property coverage and personal property coverage. Building property coverage covers the structure of your home or business. Personal property coverage covers your belongings.

How much coverage do you need?

Flood insurance policies have limits. If you have a mortgage, your lender will require you to buy enough insurance to cover the amount of your mortgage. Even if you don’t have a mortgage, buying enough insurance to rebuild your home or business is good.

What does flood insurance cover?

Flood insurance covers damage from floods, including water that enters your home or business through:

• Doors
• Windows
• Vents
• Cracks in walls or foundations

The exact coverage depends on the type of policy you have.

What does flood insurance not cover?

Flood insurance may not cover damage from:

• Sewer backups
• Overland water (from rivers or lakes) that enters your home or business through doors, windows, or vents
• Water that enters your home or business through cracks in walls or foundations
• Water that seeps into your home or business through the ground

If you have questions about flood insurance in Mapleton, UT, don’t hesitate to contact Maple Mountain Insurance Services. We are here to help!