Flood insurance is a critical consideration for homeowners and businesses in New Bern, North Carolina, due to its vulnerability to flooding, especially from hurricanes and heavy rainfall. Located near the confluence of the Neuse and Trent Rivers and close to the Atlantic Ocean, New Bern is no stranger to the risk of flooding. Call Robinson & Stith to get a quote on flood insurance for your home!
To protect their properties and investments, residents and business owners often turn to flood insurance, which provides essential coverage against the devastating effects of flooding. Contact Robinson & Stith today to get a quote!
Flood insurance typically includes coverage for the structure of your property. This covers the cost of repairing or replacing the physical building, including its foundation, walls, roof, electrical and plumbing systems, and built-in appliances. It’s crucial to assess the replacement cost of your property accurately to determine the appropriate coverage level.
In addition to safeguarding the structure itself, flood insurance also offers coverage for your personal belongings and contents within the insured building. This includes furniture, electronics, clothing, and other valuable possessions that may be damaged or destroyed in a flood event. Ensuring an accurate inventory of your belongings is essential to determine the appropriate coverage amount.
In areas with high flood risk, standard flood insurance policies may have coverage limits. To bridge the gap between the policy limit and the actual cost of damage, property owners can opt for excess flood insurance. This additional coverage provides extra protection when damages exceed the primary policy limits.
Here at Robinson & Stith Insurance, we are proud to serve customers all across eastern North Carolina! Use the list to find the areas in which we provide our expert Insurance services and customer care.