Missouri and Kansas participate in the National Flood Insurance Program, and any homeowner or business owner can apply for this coverage. You must get your MO or KS flood insurance from a licensed agent. Consider Conrad Insurance Agency, an agency that truly cares about the Kansas community. Whether in Lee’s Summit, Shawnee, Kansas City or Overland Park, flood insurance from a local agent will really come in handy if you ever need to file a claim.
Common Myths About Flood Insurance
Did you know that flooding can cause damage in the five-figure range to your home? Yikes! In spite of this, and the fact that flooding is the most common cause of damage from natural disasters in Missouri and Kansas, many people don’t want to purchase flood insurance because of a few myths, including the following:
Myth #1: Flooding is covered by my homeowners insurance. Missouri and Kansas Homeowners insurance does not cover flooding, or hurricanes either, for that matter.
Myth #2: I don’t live in a high-risk zone, so I don’t need to worry about flooding. Flooding can be caused by all sorts of perils, including rapid accumulation of rainfall from a hard rain, excess river-flow, tidal surges, and even changes due to building and development.
Myth #3: Flood Insurance is expensive. Missouri and Kansas flood insurance generally costs a little more than a hundred dollars a year.
What Does Flood Insurance Cover?
The National Flood Insurance Program pays for general cleanup and repairs of your home. It will also cover some of the contents necessary to basic living, such as your washer and dryer, freezer and frozen food. It will pay for the necessary repairs required to make your home livable and sanitary. This is a basic government program without many frills.
Fortunately, with flood insurance from Conrad Insurance Agency, you can protect yourself from this devastating financial loss and from the following types of scenarios including:
- Rapid accumulation or runoff of surface waters from any source
- Storm Surges
- Blocked storm drains as a result of storms
- Overflow of inland or tidal waters.
When’s the best time to purchase Missouri or Kansas flood insurance? Now! It won’t be available at the onset of a disaster. Get a flood insurance quote today.