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Living in an area that is prone to floods or landslides can be scary. It is a possibility that your home may be destroyed and your contents damaged if you are hit with a flood. Floods and landslides tend to occur in areas where you are living close to the coast or close to a river or creek that can overflow with heavy rain. Mother Nature is so unpredictable that your best protection against her is adequate insurance.

Getting Renters Insurance

Renters insurance is one way to protect against flood and landslide damage to your home and your property. Even if you are renting you can benefit from renters insurance as it can offer compensation for things like your contents, serious injuries on the property and moving costs. However, every policy is different and you may not be covered for flood protection in some areas across the nation. This is why you need to compare policies and read the fine print before you agree to any rental coverage policy.

However, renters insurance can protect your items but you should also other preparations in place just in case you are hit with either of these natural disasters. Floods and landslides can do serious damage to your home and contents; however, they can also cause devastating injuries and fatality to people. Floods and landslides have killed thousands of people across the world and thus you need to have an evacuation plan in place in the event of this happening.

Both floods and landslides occur without much warning. If you are faced with a serious storm or rain then it is more likely that a landslide or flood will occur. You should have an evacuation plan in place in the event that you need to evacuate your home quickly. Seek higher grounds and stay with friends or family if possible. If you have pet then you will probably want to bring them as well. Have crates for your animals all ready to go as well as a pre packed evacuation bag in place just in case.

Evacuation and Emergency Plans

Include a number of items in your bag or container such as a radio, batteries, clothes and diapers for babies, formula and tinned food as well as water, a first aid kit and a place to throw in your important documents at the last minute. If your home is destroyed you will be happy that at least your kids have clothes and you grabbed the passports, favorite photos and insurance papers.

There are other instances where you may not have to evacuate but your home may still be a little bit damaged. Power outages are quite common when faced with any water damage. Make sure you have enough food and water stored in a safe area in your home for three days. Have extra batteries as well as a radio as you may be without power for a number of days. Having these things in your garage, pantry or other part of your home in advance will save you a lot of panic and hassle if you are ever found in this position.

Knowing the flood and landslides dangers is an important way to remain one step ahead of the game. If you do live in a flood prone area then make the appropriate preparations by having an evacuation in place, having emergency rations stored in your home and having adequate insurance. These three things can help keep you and your family safe from dangers and financial strife in the event of a flood, landslide or other natural disaster.

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