Even if you happen to live in an area where no flooding has occurred for several years, it is important that you have home owner flood insurance cover.  Below we provide a few reasons as to why home owner flood insurance is worth the extra expense.

What you should first consider is that you may be living on a flood plain and not even know it (some locations of flood plain are identified by their proximity to a large body of water such as a river or lake).  But what you may have not taken into consideration is that there is a dam located about 40 miles away from your property and should the dam fail you may find that the river which currently seems to be located a safe distance from your home will end up coming through your back door.

So it is important that you check the criteria as to what constitutes a flood plain in the location where you live and you may find that you need to have home owner flood insurance cover after all.