Flood Insurance in Wisconsin
Why Get Flood Insurance in Wisconsin
If you live or are interested in purchasing a home in Baraboo WI that has been considered high risk, then you will be required to have flood insurance for your property. However, even if you don’t live in a flood-prone area, near a body of water, or in a low-lying area, getting flood insurance is still a good idea. You don’t want to start your life in your home and then lose it all to a flood issue.
Keep in mind that a standard home insurance policy doesn’t cover flood damage. You want to start thinking about flood insurance before it’s too late. There have been plenty of examples in the state where heavy rains begin to fill small streams and turn these streams into rivers that creep into your property and home. Flood damage can be expensive and there may be no help after a flood event. Even if there is government help, this usually is in the form of loans that need to be paid back. Instead, with flood insurance, you will get coverage regardless if there is a disaster declared. You can get coverage for your home, as well as your belongings to protect your assets.
Getting Flood Insurance in Wisconsin
The National Flood Insurance Program offers flood insurance and your agent at Johnsen Insurance can help you find the right policy that suits your needs.
What Does Flood Insurance Cover?
Depending on what policy you will get in Baraboo, WI, there will be different coverage options available. If you get coverage for your home, it covers the walls and structure above ground, foundation walls, built-in appliances such as refrigerators, dishwashers and cooking stoves, permanent carpeting, and plumbing and electrical systems. If you get a policy that protects your belongings, it will cover items such as furniture, clothing, curtains, carpets, washers and dryers, and certain valuables up to a certain amount.
Contact Johnsen Insurance to get a quote on flood insurance.