Bronson Insurance Services wants to clear up a misconception about flood insurance for Oak Creek, WI homes. You do not have to own a home to purchase flood insurance. Renters can also purchase flood insurance policies.
The Same Great Coverage Homeowners Get
The NFIP does not provide separate policies for homeowners and renters. Instead, it lets the purchaser decide whether to cover the structure and contents, the structure only, or just the contents. Renters choose the contents-only option, while their landlords buy the structure policy.
A renter of an apartment, condo, home, yurt, etc. can purchase a flood policy to protect the contents of their home. The contents-only policy covers only the personal property of the renter. If the landlord also keeps items on the premises, such as furnishings, they will need to purchase contents coverage for those items.
Purchasing NFIP Coverage Locally
Both the NFIP and FEMA flood insurance websites offer a ton of information on flood insurance, but you don’t buy the policies there. Instead, you buy flood policies from local insurance agents like those at Bronson Insurance Services. These agents offer coverage through the NFIP; it meets the criteria set by FEMA and NFIP.
Contact Us Today
Don’t let the chance of flood damage impede your enjoyment of your Oak Creek, WI home, whether you own or rent it. Contact our insurance agency to obtain flood insurance designed for renters, so you can protect your personal belongings. Let us help you find the right level of coverage and explore add-ons like coverage that pays for your hotel if a flood damages the home you rent so that you can not stay there until it undergoes repairs.