In 1968, the National Flood Insurance Program or NFIP, is created by congress in aid for people who live in an area susceptible to flood damage. This home owner flood insurance enables residents in a participating community to purchase flood insurance premiums against damages or losses incurred due to flooding. If your community is part of this program, it will be best for you to enroll for a home owner flood insurance.

If you are living in an area where flooding seldom occurs or not at all occurs, you can protect your home for flood damages by enrolling to a home owner flood insurance offered by top insurers. Coverage for flood or other calamities such as earthquake or typhoon is not a standard inclusion in most home insurance policies, in fact fortuitous or calamitous events are among the major ‘exclusions’ in almost all home insurance policies. So, before you sign up a policy make sure that it contains a clause for home owner flood insurance coverage.

Due to the passing of the bill for the creation of National Flood Insurance Program, top insurers today offer a special policy to meet the demands of home owners for a flood insurance. It now becomes a special home insurance policy, totally separate from the standard home policy being offered by insurers. Home owner flood insurance also covers “Acts of God” and has pricey premiums than the standard home insurance policies. Even if the premium for this special home insurance is a bit expensive, the money you are going to shell out is worth your money spent. Your home is protected not just from fire, burglary or other accidents; you will also be protected from all sorts of calamity that may damage your home and everything under it.