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The Slocum Agency, Inc

333 Centerville Rd,
Warwick, RI 02886

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Rhode Island Flood insurance coverage

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Flood Insurance in Rhode Island

If you live in Rhode Island, you may think that flooding in your home is covered by your home insurance policy. But in most cases, it is not. Floods that are caused by heavy periods of rain, streets flooding, or rivers overflowing are not covered under regular home insurance policies. The Slocum Agency, Inc., serving the greater Warwick, RI area, knows what a valuable asset your home is, so we want to educate you on flood insurance.

What is Flood Insurance?

Flood insurance is an insurance product that covers your home and the belongings inside of your home, should it flood. Removing water, cleaning up flood damage, restoring your home, and replacing damaged belongings are just a few of the benefits of obtaining a policy. Flood insurance helps you get back on track after the flood waters damage your home.

Am I Required to Buy Flood Insurance?

A lender may require you to carry flood insurance, based on the flood risk to the home you buy. If you are required to purchase flood insurance, it will be stated in your loan paperwork. If it is not stated, or your home is paid off, you are never required to carry flood insurance, though it is strongly recommended you do.

When Should I Buy Flood Insurance?

Flood insurance policies in Rhode Island typically have a 30 day waiting period before they kick in. As such, it is recommended that if you do not currently have flood insurance, you buy a plan as soon as possible. Once the 30 day waiting period is up, you will be covered against floods. Until this time, you are not covered if a flood were to cause any damage to your home.

If you do not currently have a flood insurance policy, now is the perfect time to purchase one. The Slocum Agency, Inc., serving the Warwick, RI area, can help you. Call us today to get started and buy a flood insurance policy to protect your home and belongings.

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Servicing States

  • Rhode Island
  • Connecticut
  • Massachusetts