Flood Insurance Covers What Homeowners Insurance Doesn't

Content from USAAApril showers bring May flowers -- or flood damage and financial ruin if you're not careful. Many homeowner's policies don't include coverage in the event of a flood, so you need to protect your home from all of the elements.Spring Showers Bring Flowers -- and FloodingFind out how much flood coverage you need by typing in your street address, city, state and zip code at FloodSmart.gov, which will reveal the risk of flooding in your area.Before Lightning StrikesPlug electronics and computers into power-surge protectors to prevent them from being destroyed by lightning.
  • Do: Turn off the strip when you're not using it so it doesn't draw excess energy and raise your electricity bill.
  • Don't: Plug one power-strip into another or you risk an overload that could start a fire.
Returning Home After a Long Absence?If you're returning to an empty home after a lengthy trip or deployment, turn on the water valve and/or supply lines to each plumbing fixture and carefully check for leaks. Seals can dry out when they are without water for a period of time. To help you prepare your home before you leave for a lengthy trip or deployment, go to Is Your Home Alone? Keep It Safe When You're Not There, an online brochure produced by the Institute for Business & Home Safety.Monthly ReminderTo save energy and improve efficiency, replace your air conditioning filters. Biannually have your heating and cooling system cleaned professionally. A seasonal checkup costs around $150 but can save $5,000 or more for a new system.For more information about flood or homeowner's insurance, visit Military.com's Money channel.
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