do we need personal liability & flood insurance??

we just got our homeowners insurance.....but do we need personal liablity too? what about flood insurance....its not required for our house, but is it something everone gets just incase? TIA!

Re: do we need personal liability & flood insurance??

Flood is not required unless forced upon by your mortgage company....and normally because you are in a "flood" zone. Its through FEMA but offered through majority of insurance companies.

Personal liability is already given under a Homeowners policy. Some purchase additional liability through a personal Umbrella policy that is in "excess" to your homeowners and autos. It covers you over what you have under those policies and is an additional cost. Do you need it? Not a bad reason to seek info and get quotes.

HTH

Re: do we need personal liability & flood insurance??

thanks!