Flooding is the #1 ranked natural disaster in the country and yet there are 3 common misconceptions about flood insurance that permeate in the United States.

A common misconception is that the insurance held by a landlord will cover all of the tenants in a building or house. Unfortunately, this misconception is a primary reason that almost 70% of renters in the United States remain uncovered and are forced to pay out of pocket when their apartments are vandalized, broken into, or destroyed by a natural disaster.

If you’ve ever been the unfortunate victim of identity theft, you know all too well the terrible wave of panic that sweeps over you the moment you realize your information has been stolen and used fraudulently.  You also know how difficult it is to put the pieces back together and recover from an incident.  When considering if identity theft protection should be included in your homeowners insurance policy, consider the following.