Personally, I have every coverage you can think of except flood insurance. She explained to me that The Villages has a very, very good flood control system, and that flood insurance in our case would not be necessary. Be very careful when it comes to flood insurance purchasing because flood insurance only takes affect if your streets become completely overwhelmed like a river and water comes gushing into your house from the street. It does not cover sewer back ups that come into your house. That is a different insurance.. she also explained to me that she has personally never had to issue a claim for flood insurance in The Villages.
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