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STARS Insurance

251 N Milwaukee Ave, Ste 138
Buffalo Grove, IL 63366

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Illinois Insurance Blog

How much flood insurance do I need?

When it comes to protecting your Deerfield, IL area home and property from floods, flood insurance is an essential part of any homeowner’s safety plan. But how much flood insurance do you need?

Here are a few things to consider from us at STARS Insurance.

How much flood insurance do you need?

The answer depends on many factors. The first step is to determine the risk of flooding in your area. The Federal Emergency Management Agency (FEMA) provides maps that identify areas at risk for flooding. You can use this information to understand the potential severity of a flood in your location. 

Next, consider the type of coverage you will need for protection against floods. Take into account the value of your property, including any family heirlooms or items that might have sentimental value, as well as the cost of replacing furniture or appliances should they be damaged by water. Make sure that your policy covers both structural damages as well as personal property damage from flooding. 

Finally, talk to an experienced insurance agent about getting quotes for different levels of coverage based on your unique needs and budget. They can provide advice about what level of coverage would best suit your needs and provide options so that you get the most bang for your buck when it comes to purchasing flood insurance. 

By understanding the risks associated with living in an area prone to flooding and understanding what kind of coverage is best suited to protect you and your belongings, you can make sure that you have enough flood insurance to cover whatever life throws at you down the road.

Give Us A Call

For more information, call STARS Insurance today. We proudly serve the Deerfield, IL area.