Rhode Island Home Insurance
Homeowners in Rhode Island know that being located right along the Atlantic Coast, their homes are at risk for some serious flooding and possible hurricane damage. As a homeowner in Rhode Island, you may want to seriously consider purchasing additional flood insurance, especially since the Director of the National Hurricane Center is calling for a “very active season” in 2006.
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According to The Insurance Journal, only about 3% of Rhode Island homes are covered from flood damage, which leaves the majority of Rhode Island homeowners vulnerable to damage from heavy storms and overflowing streams.
One thing to remember when purchasing your flood insurance for your home in Rhode Island is that is takes 30 days from the day you purchase your policy to go into effect. The sooner you request a rate quote for more comprehensive coverage, the better! One of the first steps you may want to take when shopping for additional coverage is to review your current homeowners insurance policy so you know exactly what is and what is not covered. For example, the most common policy – called the HO-3 or Standard Policy – will have you covered in the event of theft, vandalism, or fire, but not for major storm damage like flood or high wind damage.
You can never underestimate the importance of being well-informed when purchasing your homeowner's insurance – the more you know, the safer you can feel knowing one of the biggest investments you'll make is protected from life's unexpected emergencies.
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