It’s finally spring, which means warmer days, pleasant temperatures, and lush greenery and bright flowers. Unfortunately, in Cincinnati, spring also means rain, thunderstorms, and sometimes even tornadoes. If inclement weather causes damage to your property, are you covered? Let’s take a look.

If you own your home, you’re probably familiar with homeowner’s insurance. Homeowner’s insurance provides financial protection against disasters, as well as legal protection in the event of someone being injured on your property. Homeowner’s insurance generally covers damage caused by fires, tornadoes, and thunderstorms – but flooding and earthquakes require additional policies.

Is flood insurance worth it? Well, if you live in a flood plain or flood risk area (say, by the Ohio River or Little Miami), it could be a good idea. According to the National Flood Insurance Program, the average flood insurance package costs $650 per year, or roughly $54 per month. If flooding is a concern for you, have a discussion about flood insurance with your agent.

So, with storm season upon us, do yourself a favor and review your homeowner’s policy. Know what your deductible is, how much damage your insurance covers, and your out-of-pocket max. Natural disasters can happen at any time, and your insurance policy should provide you with financial and emotional peace of mind. If you have any questions about your policy, please contact us and we will be happy to assist you!

Photo credits: Kool Cats Photography, Local Places.

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