The wet fall season is here! While you are preparing for all of your fun fall and winter activities, it is also important to make sure that you and your home are prepared in case of a flood. Investing in a flood insurance policy is the best way to ensure that your home is covered in case of a flood. While your homeowners insurance will provide protection on many situations, it will not provide protection from a flood. Only a specific flood insurance policy will provide coverage. However, it is important to keep in mind that a flood insurance policy has a 30 day waiting period, so there is no better time than now to invest. If your flood insurance policy is still in the waiting period when your home is damaged by a flood, you will be left paying for the repairs out of your own pocket. All flood insurance policies will provide coverage for the structure of the home. Almost all policies will also provide coverage for the contents of your home, but it is important to talk with your insurance agent to make sure you are covered. A flood insurance policy will not provide any coverage for the land your home is on, or any machinery or equipment that is stored outside and damaged during a flood. The price of your flood insurance premiums depend on many different factors, including the size of your home and how many people live in the home. The location of your home also has a large impact on the cost of your premium. If you live in a low to moderate risk area, you will have much less expensive premium rates than if you live in a high risk area. Contact the insurance professional at Bell Black Insurance in Rexburg, Idaho for all of your flood insurance needs throughout Idaho. As an independent insurance agency, we will work with you to ensure you have the perfect amount of coverage for all of your needs.