Call Us (316) 686-6666 ☰ ˟
Logo
Client Portal
Call Us (316) 686-6666 to get your personalized insurance quote
Se habla español
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • Community Involvement
      • Privacy Policy
    • Testimonials
    • Our Providers
  • Products
    • Personal LinesImage of right arrow
      • Data Backup
      • Identity Theft
      • Permit, License & Notary Services
      • Personal Umbrella Insurance
      • Special Event Insurance
      • Wedding Insurance and Special Event Insurance
      • Other Personal Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Medical Payments Coverage
      • Mexican Auto Insurance
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
    • Home InsuranceImage of right arrow
      • Home & Auto Insurance
      • Condo Insurance
      • Homeowners Liability
      • Renters Insurance
      • Mobile Home Insurance
      • Property Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Flood Insurance
    • Life InsuranceImage of right arrow
      • Disability Insurance
      • Group Life Insurance
      • Individual Life Insurance
      • Key Person (Key Men) Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Second-To-Die Policy
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Financial ServicesImage of right arrow
      • 401K
      • Annuities
      • Mutual Funds
      • Pension Plans
      • Profit Sharing Plans
      • Retirement Plans
      • Traditional & Roth IRAs
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Contractors Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Garage Insurance
      • Handyman Insurance
      • HVAC Contractors Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Uber Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Extortion Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Kidnapping Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Ransom Insurance
      • Shipping Insurance
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
    • Business & CommercialImage of right arrow
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Workers Compensation Quote
      • Certificate Request
    • Auto Insurance Quote
    • Homeowners Insurance Quote
    • Renters Insurance Quote
    • Toy Vehicle Insurance Request
  • Resources
    • Client Portal
    • Commercial Intake Form
    • Certificate Request For IPK
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Blog
  • Contact Us
    • Contact Us
    • Our Locations
    • Habla Espanol
Home > Blog > What Homeowners Misunderstand about Flood Insurance
TUESDAY, OCTOBER 15, 2024

What Homeowners Misunderstand about Flood Insurance

What Homeowners Misunderstand about Flood Insurance

Many homeowners think that if they have home insurance, they’re covered against any and all damages. However, it’s important to understand what flood insurance can do for you—as well as its limitations—in order to determine if it’s worthwhile to add this coverage to your personal insurance portfolio. Below we discuss three common misconceptions about flood insurance. cars on flooded street

Misconception #1: Floods are covered by homeowners insurance.

While home insurance often covers flooding from internal sources (such as cracked pipes), it does not cover flooding from external sources (such as heavy rain or tidal waters). Speak with your independent insurance agent about the specifics of your policy to avoid learning that you’re not covered after disaster strikes.

Misconception #2: Flood insurance is only necessary if you live near water.

While areas near the coast may be more susceptible to flooding, floods can happen anywhere and at any time. Flooding occurs when too much water enters an area, and the ground cannot absorb the water fast enough. Heavy rains, overflowing storm drains, oversaturated ground and other environmental circumstances can all lead to flooding. As such, flood insurance can provide value no matter where you live.

Misconception #3: Flood insurance is too expensive.

Flood insurance premiums are based on your area’s risk; a high-risk area will have higher premiums. If you live in a high-risk area, your mortgage lender may even require you to purchase flood insurance. In any case, the cost of your flood insurance is well worth it. After all, this coverage can offer much-needed protection against the substantial recovery costs that often accompany flood damage.

Need coverage? Call Insurance Partners of KS, LLC at (316) 686-6666 for more information on Wichita flood insurance.

Posted 8:28 PM

Tags: flood insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021

  • renters insurance(5)
  • auto insurance(4)
  • rv insurance(4)
  • home insurance(4)
  • liability(3)
  • flood insurance(3)
  • life insurance(3)
  • insurance(3)
  • coverage(3)
  • business insurance(3)
  • mobile home insurance(2)
  • business owners policy(2)
  • farm insurance(2)
  • classic car insurance(2)
  • workers compensation(1)
  • bonds(1)
  • recreational vehicle insurance(1)
  • bop(1)
  • commercial auto(1)
  • toy vehicle insurance(1)
  • commercial(1)
  • professional(1)
  • risk(1)
  • commercial general liability insurance(1)
  • cyber(1)
  • high value home insurance(1)
  • builders(1)
  • motorcycle insurance(1)
  • policy(1)
  • safe driving(1)
  • commercial auto insruance(1)
  • homeowners insurance(1)
  • commercial auto insurance(1)

View Mobile Version
Contact us
(316) 686-6666 1819 S. Rock Road Suite 101 | Wichita, KS 67207
Quick Links
Home Our Products Customer Service Payment Options Report a Claim About Us Our Carriers Partners Blog Contact Us
Location
1819 S. Rock Road, Suite 101
Wichita, KS 67207
P: (316) 686-6666
F: 316-425-0025



Twitter Icon Facebook Icon LinkedIn Icon Google Icon


© Copyright. All rights reserved.
Powered by Insurance Website Builder