If this is your first time to hear about flood insurance, then now you know it actually exists.  And it does exist separately from your home insurance.  So if you reside in an area that is prone to flooding, you should definitely get it.  You can’t imagine how much you will lose when the flood comes ravaging your home, and you cannot picture to what extent the damage could be, but we bet you can imagine how much money you will have to spend for damage control.

So, what to do if you happen to be that resident we are talking about.  First, check with your state agency.  There are some…

You want to protect your home if anything were to happen to it, that’s why you buy a home insurance policy and continue to pay for it month after month.  Millions of people who have home insurance decide against making a claim even if they need to make one.  If you are going to pay for coverage month in and month out, you will agree that this is actually a silly thing to do.  You should definitely consider making a claim if you have a legitimate reason even though you are not required to do so.

Some people pass on making a home insurance claim even when it is obvious that…