Floods can happen anywhere, at any time. Despite the fact that floods are the number one natural cause of damage to homes in Pennsylvania, many homeowners live without flood insurance coverage. Many communities in Pennsylvania are located near the water due to the state’s early use of water for energy and transportation. Even if you do not live near water, you could be at risk of flooding. In fact, many flood claims occur in moderate-risk and even low-risk areas.
While flood damage can pose a significant cost to a homeowner, flood insurance coverage does not. At Strock Insurance, this affordable coverage can be included in your home insurance policy.
Does My Home Insurance Cover Flooding?
Many standard home insurance policies in Pennsylvania do not provide coverage for flooding. In many cases, you will need to purchase flood coverage separate from your homeowners’ insurance policy. This is why we offer Pennsylvania flood insurance coverage at Strock Insurance.
In Pennsylvania, many homeowners deal with flooding every year. Unfortunately, many homeowners do not consider obtaining flood insurance until the news reports flooding in the area or a large storm is looming. Going without flood insurance coverage may seem reasonable to homeowners living in a low-risk area because they think they are safe. However, no home is truly safe from flooding.
Even if you live in what is considered a low-risk area in Pennsylvania, you may want to consider purchasing flood coverage. In a low-risk area, you can purchase a flood endorsement rather than a separate flood insurance policy. Those in high flood risk areas may want to purchase both a flood endorsement and a flood insurance policy.
Flood Insurance in the Harrisburg/Camp Hill Area
Since there are so many rivers and streams in the Harrisburg/Camp Hill area, flood insurance is highly recommended. In fact, flood insurance may be required for certain home loans for properties in this area.
If you are a homeowner in the Harrisburg/Camp Hill area, you may want to review your home insurance policy to determine whether it includes flood insurance. If not, you may want to discuss adding flood insurance to your current policy if possible. If you cannot add flood coverage to your current policy, you may want to purchase separate flood insurance or a new home insurance policy that includes flood insurance coverage.
Do you need flood insurance coverage in Harrisburg or Camp Hill, PA? At Strock Insurance, we offer home insurance for Central Pennsylvania homeowners.
Keeping Central PA Insured Since 1983.
“I’ve been with this insurance agent since 1988 and any time I’ve had a claim it was handled quickly and the entire office treated us with respect and compassion.”
Get a Flood Insurance Quote in Harrisburg From Strock Insurance
Will your home be protected in the event of a flood? A home is a huge investment, and protecting this investment is a priority for every homeowner. At Strock Insurance, we are a local, independent insurance agent that specializes in home insurance. With our locations in York, Dauphin and Cumberland Counties, we can provide insurance to many residents in Central Pennsylvania.
As an independent agent, we can offer you access to the best flood insurance companies in Pennsylvania. Request a flood insurance quote today from Strock Insurance.