Three Things New Homeowners Need to Consider Regarding Flood Insurance

At AS Insurance Agency, we are committed to offering our Manchester, NH clients the most comprehensive flood insurance for their homes. You won’t be left with a huge bill after your home sustains irreparable water damage. Many people bypass getting flood insurance thinking their standard homeowners insurance covers it. This is a mistake. Many standard homeowners insurance policies don’t include proper flood coverage, even if you live in a low-risk area. 

If you are searching for a new homeowners policy and are new to flood insurance, you should know about the following three things. 

Three Things To Consider Regarding Flood Insurance 

There Will Be Fine Print

Almost every Manchester, NH flood insurance policy includes some fine print. When you contact AS Insurance Services, our representatives will be sure to be comprehensive and clear when explaining to you what your policy covers. The last thing you want is to have flood damage and not have the proper insurance to pay for it. 

It Doesn’t Kick In Right Away

If you’re thinking you are heading for a time of year when there will be a high flood risk, don’t hesitate to add flood coverage to your policy. This is because most flood coverage doesn’t kick in right away. You should assume that there will be at least a 30-day waiting period before flood coverage is added to your homeowners’ policy. 

The Payouts Are High

According to, the average flood insurance payout in the United States is 69,000 dollars. With this add-on to your homeowners’ policy, you are almost assuredly going to be properly covered if your home sustains major flood damage. 

Consult With Us

Don’t feel too comfortable about flood risk if you live in a low-risk area, you should still have some type of coverage, but anything can happen when it comes to weather. Contact us at AS Insurance Agency in Manchester, NH today if you have any further questions about flood insurance. 

Three common mistakes consumers make when they buy flood insurance

Flood insurance is important for protecting your home in Manchester, NH. At AS Insurance Agency, we’re here to answer all your questions about getting flood insurance for your property. 

The following are three common mistakes to avoid when they buy flood insurance.

Failing to purchase enough flood insurance coverage for the full cost of rebuilding your home

You’ll typically be offered either coverage for your home’s market value or coverage that offers you enough funds to completely rebuild your home.

It’s important to insure your home for the cost to rebuild since a home’s market value can fluctuate over time. You don’t want to be left without adequate funds to rebuild your home if it becomes destroyed in a severe flood. 

Only getting a quote from one flood insurance provider

It’s always important to get quotes from numerous flood insurance providers before choosing a policy. With multiple quotes, you can compare your options and then choose the best one. 

Purchasing a flood insurance policy without fully understanding what it covers

There are certain types of damages that just about all flood insurance policies provide coverage for. These include damage to your plumbing system, carpeting, foundation, HVAC equipment, and appliances.

However, there are other types of damage that your flood insurance will not cover. It’s important to know which damages are covered and which aren’t before you buy a policy.

Contact Us Today

Making the right choices when you buy flood insurance gives you peace of mind and protects your property. Get in touch with us at AS Insurance Agency if you need a quote on a policy. We are here to provide flood insurance to consumers living in the greater Manchester, NH region. 

Who needs to have a flood insurance plan?

Owning a home in the Manchester, NH area has continued to be a great form of housing and investment. If you do purchase a home in this part of New Hampshire, having the right insurance for it should always be a top priority. One type of coverage that people here will need to consider getting is flood insurance.

There are situations when a property owner will need this additional coverage:

When Trying to Protect Investments and Assets

One situation when you will want to have a flood plan is when you are looking to protect your investment and assets. If you own a home, it will take a lot of money to purchase and maintain. If your home is affected by a flood, the cost to remediate this can be significant. Since your base property insurance may not provide any flood coverage, having an additional flood plan could be a necessity to ensure support. 

Insurance is Required

There are other situations when you may be required to carry flood insurance. If your home is located in a designated flood zone, a mortgage lender will require extra insurance to ensure their collateral is protected. When you have a flood insurance plan, it will ensure that you have this coverage and are in good standing with lender insurance requirements. 

Get The Right Coverage Today

When you are going to purchase a home in the Manchester, NH area, you will want to know that you are getting the right insurance for it. If you are evaluating your flood insurance needs, calling the AS Insurance Agency can be a great option. The insurance professionals with AS Insurance Agency will fully understand this complex type of coverage and they will offer the support you need to determine if it is right for your situation. 

Flood Insurance Variables To Consider

AS Insurance Agency is an independent agency. We work with multiple carriers across the East Coast. We are committed to helping Manchester, NH residents find the coverage they need to protect their assets. We offer a wide variety of policies to match the unique needs of our clients. We are confident that we can help you find the coverage you need to navigate life’s risks.

Flood Insurance Variables To Consider

Flood insurance is something that may not be on your radar, but it definitely an asset to consider. As inclement weather moves through the Manchester, NH area, the likelihood of severe floods increases. Severe flooding has the ability to damage the structure of your property and your personal items. Consider the benefits of flood insurance.  Flood insurance covers your property if it is damaged by a flood. The policy is an asset even if you don’t stay in a flood zone.

Remember that flood insurance only covers damage caused by severe weather moving into the area. The flooding should impact other areas as well in your neighborhood as well. If your property is damaged due to a drainage backup, you are not covered through flood insurance. You can add extra coverage to protect your assets. You should be aware, though, that flood insurance does not cover any damage to your swimming pool or patio. You can amend your auto insurance policy to cover you if your vehicle suffers flood damage. If the flooding is severe, you can add alternative living coverage, which allows you to stay somewhere else temporarily until your home is repaired.

AS Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about flood insurance.

Does Flood Insurance Typically Covered Damage from a Mudslide?

Flood Insurance and Mudslides

Mud and landslides affect many people and cause billions of dollars in damage. While these disasters are not as common as floods, the devastation they cause to homes and property can be equally damaging. Some types of mudslides may be covered by standard flood insurance depending on factors. However, many instances of this event are not covered by typical flood insurance and additional policies may be needed for full coverage. Cases where the mud and river water mix and how the slide enters your home have an impact on coverage. Many incidents are considered "earth movement" and will not be covered.

The professional agents at AS Insurance Agency of Manchester, NH have years of experience helping individuals get the best quality flood insurance possible. We can help you understand the ins and outs of your policy so you can get the most from it.

Staying Protected During a Disaster

Special types of insurance, including landslide insurance, must be purchased to stay protected during a disaster. Other ways to protect your home include designing a landscape to help mitigate mudslides. Certain cases, such as being near a recent forest fire that loosens soil potentially causing a landslide, might be covered. It is important to understand different insurance coverage and how it affects your home and possessions during disasters. A skilled insurance agent will be able to help you understand the details of your policy.

Expert Insurance in Manchester

Give us a call at AS Insurance Agency of Manchester, NH to speak with one of our friendly agents. We will be happy to give you a quote for high-quality flood insurance or any of your other insurance needs. Contact us today to schedule an appointment.

Dangers of Going Without Flood Insurance

Particularly if you live within a flood zone near Manchester, NH, going without flood insurance is a risk you don’t want to take. Even if you don’t live in a high-risk flood area, your home is not immune to floods, and foregoing this important insurance is ill-advised. 

What Happens if Your Home Floods

Floods are expensive and a major headache to clean up. If you have flood insurance, that will help cover the damages. 

If, however, you don’t have flood insurance, you’re on your own. After a flood, the cost to clean up can be tens of thousands of dollars, which you’ll have to pay out of pocket. Regular homeowner’s insurance does not cover floods. Without flood insurance, you’ll be tasked with paying for the following out of pocket: 

  • Draining water
  • Testing and treating for mold and mildew
  • Thoroughly cleaning the area.
  • Removing and replacing any damaged areas
  • Replacing damaged areas, which may include floors, ceilings, studs, drywall, carpet, furniture, pipes, and more

It’s easy to see how all of this can add up quickly, and if you think you can buy flood insurance at the last minute, think again. You won’t save money by only purchasing flood insurance when you know a flood is about to happen. In most cases, you’ll need to wait 30 days from the time you purchase flood insurance until the time it kicks in. 

Flood Insurance from AS Insurance Agency

Regardless of where your home is located—in Manchester, NH or anywhere else—your home can flood. It’s not worth it to risk going without flood insurance. Call AS Insurance Agency to learn more about flood insurance options and take action to protect your home and belongings in the event of a flood.