Homeowners insurance is vital to protect your home and belongings in case of a loss. Unfortunately, regular homeowners insurance does not protect you from several kinds of flooding-related circumstances. If you want to ensure that your Sandy, UT home has the protection it needs, Christensen Insurance Group can answer your questions about homeowners and flood insurance.

What Does Flood Insurance Cover?

Water can cause truly devastating damage. Flood insurance protects you from any losses directly caused by flooding, including:

• your house
• any critical systems, such as electrical and plumbing
• large and small appliances, including your refrigerator, washer and dryer, toaster, and microwave
• your furniture
• curtains and blinds
• carpeting
• cabinets and shelving
• clothing
• TVs and other electronics
• other personal belongings in your home

What Is Considered Flooding for Use of Flood Insurance?

Flooding is generally defined as when land that is usually dry has an excess of water. That flooding must affect multiple properties or at least 2 acres. Here are some of the circumstances that should be covered by flood insurance:

• When flooding is caused by an overflow of an existing body of water, such as a lake or ocean.
• If the flooding is caused by an excess of water that builds up or because of surface water runoff, such as during a flash flood.
• Mudslides or mudflows caused by flooding.
• When land becomes destabilized or even collapses because waves erode the land.

So rain by itself is not considered flooding, but storms can cause direct damage to your home that should be covered under homeowners insurance. 

It can be confusing, but if you have any questions about Sandy, UT flood insurance, please call Christensen Insurance Group today!

If you’re a renter in Sandy, UT, renters flood insurance may be a wise, cost-effective investment. Most standard insurance policies, for both homeowners and renters, don’t cover flood damage. While your landlord may have flood insurance that covers flood damage to the building itself, the valuable possessions inside your home will be left unprotected without renters’ flood insurance. Just an inch of water inside a home can cause over $25,000 in destruction, a cost that is unimaginable to many renters. Flood insurance is a low-cost option that gives renters peace of mind that their personal property is covered in the unexpected flood event. Our insurance agents at Christensen Insurance Group can help you protect the belongings you care about most as a renter.

Contents-Only Insurance Coverage

Renters’ flood insurance is also known as contents-only insurance since it’s an affordable policy that covers explicitly the personal contents within your rental. This includes items like furniture, clothing, electronics, and home decor. Policies are offered through the National Flood Insurance Program (NFIP), regardless of whether the rental is within or outside a high-risk flood location. Flood insurance will help you recover faster and with far less financial burden. 

Next Steps for Renters

If you’re a renter considering contents-only flood insurance, ask your landlord if they have flood coverage for your building. Then, take stock of the possessions in your home. If your rental experienced flooding, how much would your personal items cost to replace? Finally, contact your insurance agent to determine the best policy for your needs. 

Christensen Insurance Group is proud to serve the Sandy, UT community. If you’d like to learn more about your options for renters flood insurance, please give us a call or visit us today. 

When most people think of home insurance, they likely don’t consider the potential for flooding. Homeowners’ insurance often does not cover damage due to flooding, and homeowners must purchase a separate flood insurance policy to be protected. Flood insurance from Christensen Insurance Group can help protect your finances if your property is damaged or destroyed by floods caused by heavy rains, melting snow, hurricanes, and other natural disasters in the Sandy, UT area.

As well as providing financial protection from flooding, flood insurance can provide peace of mind. Knowing that you are protected if your property is damaged or destroyed by a natural disaster can alleviate some of the stress associated with the threat of floods.

Knowing what type of coverage your flood insurance policy offers is vital before purchasing. Many policies cover structural repairs for damage caused by water but may not cover contents inside the home, such as furniture, appliances, electronics, and clothing. It’s also important to understand limits and exclusions on coverage so that you fully understand what is covered in case of a significant event.

The cost of flood insurance will vary based on the level of coverage and location of your home. It’s essential to shop around and compare rates from different insurance providers to find the best value for your money.

Taking the time to ensure you have adequate flood insurance can help protect your finances and peace of mind during times of natural disaster. Make sure you understand what type of coverage each policy offers, and shop around for the best deal before making a final purchase. For more information, give us at Christensen Insurance Group a call today. We proudly serve the Sandy, UT area.

If you own a home in Sandy, UT or the surrounding area, Christensen Insurance Group is here to help you with all your insurance needs. Give us a call or stop by our office today!

Benefits of having flood insurance, no matter where your home is located

The main advantage of having flood insurance to protect your home is the coverage provided that most home policies don’t have. If you live in a low-lying area, or your basement seems to flood after every heavy storm, now is an ideal time to consider flood insurance.

Many homeowners aren’t aware that their homeowner’s policies don’t typically cover any damage caused by floods and flood water. Because of this, too many people are blindsided when they find out their insurance doesn’t cover major damage to their homes. Don’t let this happen to you!

With the right flood insurance policy, you can ensure that your home will have the protection it needs. Adding a flood insurance policy to your primary homeowner’s policy is an effective way to ensure that you and your family have the protection you need. Many places in our area that are outside of flood zones still experience flood damage. If you live in such an area, be sure to find a flood insurance policy to provide the protection you need for your home.   

We look forward to seeing you soon!

Christensen Insurance Group is proud to provide insurance services to our friends and neighbors in the Sandy, UT area. If you have questions about flood insurance, we are here to answer them. Come by our office, or give us a call today to find out more about flood insurance. 

Those that are in the Sandy, UT area will find that owning a home is a great long-term decision. While this is a place that you will call home, it is also the most significant asset that most people will ever own. Because of this, you will want to know that you have the right insurance, which could include flood protection. There are various situations when you need flood insurance.

When Concerned About Flood Risk

A situation in which you will need to have flood insurance is when you are concerned about the risk of floods. If your home is an area that is susceptible to flood damage, you should have flood insurance as your home insurance plan likely will offer limited flood support. With flood insurance, you will have the coverage needed to cover flood damage.

Coverage is Required

You may also need to have flood insurance in this part of Utah as it could be a requirement. If you finance your home, the mortgage lender is going to run a flood determination report. If they determine that you have a heightened risk of flood damage, the lender will require that you carry flood insurance throughout the term of the loan. 

When you are going to purchase a property in the Sandy, UT area, you will want to always have the right insurance. For many, this can mean having flood insurance. As you are evaluating your insurance options, the team with Christensen Insurance Group can help you determine if flood insurance is right for you. The team is able to do this by assessing your home and its location to see if you are at risk of flood damage. Christensen Insurance Group can then give the guidance necessary to get into your next plan. 

If you have been told by your mortgage lender or even a local official that you need flood insurance, the idea might seem baffling to you. You aren’t even near a major river or water source, so why do you need flood insurance?

The answer in short? Life is unpredictable. Christensen Insurance Group, which serves Sandy UT,, knows this all too well.

Floods Happen Anywhere

Even if you are not near a river, a hurricane or other natural disaster could bring flooding to your area. Flooding may be linked to excessive rain, melting snow, or even construction down the street. In some cases, the failure of a dam to hold back water properly causes damage to local homes. Even areas that are not considered high-risk for floods experience them.

Floods Are Costly

Many people do not realize that very little flooding is required to damage your home and belongings. Even an inch of water can cause foundational damage to your home. Inside your home, an inch of water covering the floor can be devastating. Without flood insurance, you may not have a way to adequately cover the damage.

Your Homeowners Insurance Policy Is Not Enough

It is often not enough to get a homeowners insurance policy and expect it to cover flood damage. In fact, flood damage is often excluded from homeowners insurance policies. If this is a surprise to you, you should consider getting a new policy.

Do you want to know what kind of flood insurance is right for your home? If you live in Sandy, UT, contact Christensen Insurance Group for more information about policies that protect you.

Having Flood Insurance in Utah

Standard homeowners insurance does not cover flooding in general. Most homeowners in Utah will need to get insurance through the National Flood Insurance Program (NFIP), which an insurance agency can provide help with contacts.

Christensen Insurance Group in Sandy, UT can help you with flood insurance to stay protected in the event of a disaster. We will help you get the most out of your coverage and work with you to understand the types of policies and what they cover.

3 Reasons to Get Flood Insurance in Utah

There are some good reasons to have flood insurance in Utah, even though there is not a lot of annual rainfall. They include:

• Unexpected events such as water mains bursting and causing a home to flooding. This can be covered under flooding damage with the right coverage.
• Heavy snowmelt that leads to flooding in a home is another reason that may be overlooked for getting insured.
• An unexpected flooding event even in low-risk floodplain zones.

Do I Need Flood Insurance? 

Typically, this is a personal choice though it may be required depending on the lending institution to have a mortgage and other factors. If you live in a high-risk flood zone, it is common sense to have some flood insurance.

Quality Insurance in Utah

Contact us at Christensen Insurance Group in Sandy, UT to schedule an appointment to speak with one of our agents about flood insurance policies. We have years of collective experience helping homeowners get the coverage they need to stay protected during times of disaster and loss. Our agents will work with you to craft a policy that fits your particular needs.

When it comes to owning a home, you have tons of questions that need answers to help you understand the limits of policy coverage. One question that many homeowners have is whether their home insurance covers damage resulting from wind-driven rain, or if that falls under flood insurance coverage.

Wind-Driven Water

If you have home insurance coverage in place, it will usually cover wind-driven water damage from a storm or a similar situation. Flood insurance covers typical standing water and the damage that occurs from that instance. In order to learn more about policy specifics, it is wise to work with an insurance agent who can help guide the policy purchase process and thoroughly explains the terms and conditions related to each policy, as well as the limits of coverage. Customers who have complete knowledge of their insurance limits can then decide if additional policies or coverage options are necessary to avoid gaps and offer complete protection.

Work With An Agent

If you are looking for a quality insurance policy that offers the right amount of protection, seek the assistance of an insurance agent from Christensen Insurance Group, serving the residents of Salt Lake City and Sandy, UT. We can work one on one with customers to ensure they are getting the options they need to protect their property. We can also help with any claims or changes to the policy over the course of time.

If you have questions about home insurance and want informative answers, call or stop by Christensen Insurance Group of Sandy, UT. We can help you discover the right products to provide total coverage and protection.