Many people who have homeowners insurance think that they have everything covered when it comes to their home. Unfortunately, this is not always the case, even in Albany, NY. Here at NY Twin Bridges Insurance Agency, we want to make sure you are as prepared as possible, which includes getting flood and earthquake insurance.

Why You Need Flood Insurance

Flood insurance is no longer for people who live in flood prone areas. If you have been paying attention to the weather news the past few years, flooding is becoming more and more prominent across the US. This is for a number of reasons such as new construction, fewer areas for the water to go, and possible climate change. Your homeowners insurance policy does not cover flood insurance in most cases. It is typically a separate type of insurance and the benefits of it are astronomical with so much flooding. In addition to exterior flooding, there is also the possibility of a pipe bursting inside your home which can lead to major water damage. It is always best to have flood insurance.

Why You Need Earthquake Insurance

Most people who do not live in an area that is prone to earthquakes do not even bother with looking at this option. However, just like flooding, earthquakes are happening in some areas that are not expected either. While it is not as prevalent, it can happen when a large earthquake sends shocks to other land masses or areas miles away. This is also something that is not covered by home insurance but something you may want to consider, even if you on the outskirts of an earthquake prone area.

If you are interested in learning more about your options, be sure to contact NY Twin Bridges Insurance Agency serving Albany, NY today. We will be happy to get some quotes for you to ensure you and your home are protected.