As any Wichita resident can easily tell you, when it rains here, it pours, and sometimes, when it pours, it floods. If you’re in a part of Wichita that has flooded in the past, multiple times perhaps, then having flood insurance isn’t just a light recommendation. It’s something you should seriously consider.
Why risk your home and everything in it?
Hensley Insurance can help protect your home against any possible flooding, whether you live in a potential hot (or wet) spot, or if you’d just like some peace of mind the next time the clouds darken and unleash a veritable monsoon.
The Risks of a Flood
Flood damage can be catastrophic, and worse yet, it’s not covered in most standard insurance policies, and the federal government rarely helps when floods happen, either.
A standard flood policy from Hensley Insurance will protect homes, condos, mobile homes, businesses and rentals within flood zone areas, which includes basically all of Wichita.
Types of Coverage
If you’re in an active – or not so active – flood zone and worried about what types of coverage are available, or necessary, Hensley is here to help fill in any blanks, and if you ever have any questions, feel free to drop us a line at 316-721-1800. We’d love to hear from you!
Flood insurance packages are highly customizable as well as affordable, and remember, a little peace of mind can go a long way if you ever find yourself in your basement up to your waist in water.
Typically, most flood insurance packages contain between one and three different types of coverage – building, personal, and replacement cost.
Building coverage is designed to protect your home or business, as well as any appliances or items that are considered part of your property, such as air conditioners, furnaces, dishwashers, and cabinets. Personal property coverage covers your own personal property, such as electronics and clothing.
Then there’s replacement cost coverage. If you live in a single-family residence, and have your home insured to within 80% of the replacement cost, you can opt for this coverage. If you’re home otherwise ruined by flood waters, you’ll be reimbursed for how much it would cost to replace your home, giving your family plenty of cushioning if the unthinkable were to happen.
Hensley Insurance is a friendly westside insurance agency. We do the shopping for you and customize your policy to fit your needs.
Give us a call at 316-721-1800!
The Hensley Office is just 100 feet south of the intersection of 29th St N. and N. Ridge Road. Look for the cute little house on the East side of the road. Stop by and see us!