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Flood Insurance for Condo Owners: What You Need to Know

If you live in Cincinnati, OH, you already know certain areas near the river can quickly flood, making proper insurance coverage necessary. But don’t make the mistake of thinking condos don’t need coverage just as surely as family homes do.

Advantage Insurance Network can answer all your questions and help you find the right policy. But in the meantime, here’s what all Ohio condo owners should understand about flood insurance.

Low-risk zone residents should still consider it.

To benefit from flood insurance, you don’t need to live in a high-risk flood zone. With weather patterns becoming increasingly erratic, anyone living near a large body of water would be wise to carry a policy. If the worst happens, you’ll be glad you have it.

Flood insurance for condos protects your belongings.

One of the significant differences between standard flood insurance for homeowners and similar policies for condo owners is what’s covered. Standard homeowners’ flood insurance covers the entire building. Condo flood insurance only covers any belongings and valuables inside the unit, making it much more affordable than replacing your things after a flood. (Your association covers the actual building.)

Standard condo insurance doesn’t cover floods.

Don’t think that your existing condo property insurance coverage has flood protection built in. Most people need to purchase flood coverage separately, so it’s important to review your current coverage and identify any gaps that could leave you vulnerable to loss, flooding included.

Ultimately, no Cincinnati, OH resident expects to experience a catastrophic flood in their lifetime. But staying prepared, just in case, protects you from the worst-case scenario and grants you priceless peace of mind.

Whether you’re in the market for a brand-new flood insurance policy or need help reviewing your current policy, Advantage Insurance Network has you covered. Call us today and let us know how we can help.

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