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Accidents happen, which is why liability coverage is a component of your homeowners insurance policy. Understanding what is covered within your homeowners insurance policy will provide you with the peace of mind you need in case the unexpected occurs.

As we have seen in the recent months and years, flooding can occur at any time and during any season. Flood waters can cause severe and costly damage to your home.

Floods can occur at any time, and anywhere. According to FEMA, flooding is the most common disaster in the United States. Flooding can occur for several reasons, including heavy rainfall, storm surge from a hurricane or tropical storms, or river overflow.

Your home is likely one of the largest investments you will make in your lifetime and which houses your important possessions. As such, it is necessary for you and your family to have peace of mind knowing your home is protected, should the unexpected occur.

Your homeowners insurance policy is a legal contract between you and your insurance carrier written responsibilities for both the homeowner and insurance company. Being a responsible policyholder means you understand your coverages, individual needs, and replacement costs.

With your home being one of the largest investments you will make in your lifetime, it is important your home is properly insured for all its worth. A study conducted by Marshall & Swift, determined nearly two out of every three homes in the United States are underinsured.