If the recent rainfall has you nervous about wet basements, backed-up lines or leaky roofs, you're not alone. Lately, Cincinnati could easily be mistaken as Seattle -- and many of us are probably lacking a key form of coverage in our homeowner's policy:

Flood insurance.

That's right -- Ohioans need flood insurance, too! Flood insurance covers physical damage to structures affected by flooding from heavy snowmelt and runoff following heavy rainfall. Your flood insurance policy will also cover any damage caused from erosion due to currents or uncommon water cycles (for example, if your home is built along a shore that collapses due to waves, currents or rising water). So if you're living in Newport or along the Little Miami, that's you!

What many of us don't realize is that our standard homeowner's policies do not cover flooding. But this is a simple problem to fix.

The National Floor Insurance Program, or NFIP, recommends that homeowners purchase a flood insurance policy with two forms of coverage: personal and dwelling. These two combined coverage types will cover most things in your home.

Flood insurance is complicated, and it's recommended you speak to your agent about what's best for you:

April showers bring May flowers, and we want to make sure you're well protected.

Source: Trusted Choice, What Nobody Ever Told You About Flood Insurance
Infographics: Trusted Choice

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