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Flood InsuranceFlood insurance can benefit many homeowners. Obviously, you should seriously consider the coverage if you live in a high-risk flood zone. Still, floods can happen anywhere, so it's worthwhile to give flood insurance some thought, regardless of where you live. But after you make the decision to get flood insurance, the next question becomes: how much flood insurance do I need?

To determine the appropriate policy, you need to first determine the value of your home. A large enough flood can result in a total loss, especially if you're unable to dry and clean your home quickly enough. After all, it's not only water damage you have to deal with; you may also be faced with sewage, chemicals and other hazardous materials that flowed in with the water. So, it's a good idea to ensure that your flood insurance policy provides enough coverage to rebuild your home in the event that it's completely destroyed.

In order to determine your home's value, it may be beneficial to have it appraised by a licensed professional. It's important to consider both the value of the structure and your home's content in this appraisal. You can also compare the values of other homes in the surrounding area.

All of your belongings — furniture, clothing, kitchen appliances, artwork, electronics and more — add an immense amount of value that you'll want to be sure to cover with your flood insurance policy. But don't forget to check the details of your policy for exclusions. For instance, contents kept in the basement might not be covered under a standard flood insurance policy.

This may sound like an overwhelming process to take on. But luckily, you don't have to do it alone. Your independent insurance agent can help you assess your family's needs and make personalized coverage recommendations. It can't hurt to get more information, so give your agent a call to learn about how flood insurance can benefit you and your loved ones.

Protect your home today. Call Guardian Insurance at (855) 464-8273 today for more information on Georgia flood insurance.
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