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When it comes to obtaining homeowner insurance quotes, few things are more confusing than flood insurance. Even if you have been told you do not "need" flood insurance, this may not mean you shouldn't consider purchasing it. Remember, depending upon the property location and other factors, some mortgage lenders require flood insurance. However, even if you are not required by the mortgage company to carry flood insurance, it may still be a good idea, especially if you live in an area prone to flooding, severe storm surge or earthquakes that may result in flood related damage due to broken pipes.
Use the following to help determine if you should purchase flood insurance when shopping for homeowner insurance quotes: