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Magic City Insurance Group LLC

4268 Cahaba Heights Ct., Ste. 136
Vestavia, AL 35243

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Is having a flood insurance plan necessary in Alabama?

Owning real estate in the Birmingham, AL area can be a great idea. While there are benefits that come with owning a home here, there are risks that come along with it. One of the risks that you may face here is the risk of having a home damaged by a flood. One of the ways that you can protect against this is by getting flood insurance.

This type of coverage can be necessary in some situations:

Needed to Cover Home

A primary reason that people in the Alabama area will want to have a flood insurance plan is so they can cover their homes. When you are going to purchase a home, you will want to get insurance for it. As home insurance may not cover flood damage, an additional flood insurance plan could be a necessity. When you have a full flood insurance plan, you will be able to mitigate this risk. 

Meet Standards

It is also important to get a flood insurance plan so you can meet standards set by your lender. If you have a loan, the lender will run a flood search to see if your property is at risk. If it is deemed to be at risk, you may be obligated to carry a flood insurance plan through the term of the loan. 

Reach Out To Us

It is very important that all people in the Birmingham, AL area carefully assess their flood insurance needs. When you are looking for coverage, you can quickly find that it is confusing to assess and select a plan. Because of this, working with our team at the Magic City Insurance Group LLC is often a great option. Our team with Magic City Insurance Group LLC will give you any guidance you need to select a plan that protects you and your property. 

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