If you're a water lover, then living by the river is most likely a dream come true. Being so close to the water can bring a sense of calm and tranquility to your mind and spirit. While it can be wonderful for the most part, you will need to take some extra precautions. Here are three things you'll need if you choose to live near the river.

Flood Insurance Policy

It's a simple fact of life that if you live near the river, especially on a floodplain, there is always a chance the area could be susceptible to flooding. Many homeowners think that if any part of their home gets flooded, it will be covered by their homeowners insurance policy. However, this is not normally the case, which is why it's important to invest in flood insurance. In the event your home gets flooded, this type of insurance will cover the following:

  • Your home and its foundation
  • Plumbing and electrical systems
  • Detached garages
  • Removal of debris

It's also important to note that if you do live in a high risk area, flood insurance might be a requirement by your mortgage company and not just an option.

Sump Pumps

One piece of equipment you will not want to go without when living by the river is a sump pump. Whether flooding happens due to the river overflowing its banks or a heavy rainstorm, sump pumps will help keep the lower parts of your home nice and dry. Sump pumps are usually installed in the basement or crawlspace of a home. As soon as water is detected, the sump pump gets activated and moves the water through pipes and away from your home. When you're living near the river, getting a sump pump installed isn't just a good idea—it's a must-have.

Added Safety Measures

The second leading cause of unintentional death for children between the ages of 1 and 14 is drowning. About 43% of these drownings occur in natural bodies of water such as rivers. This is why if you have children, grandchildren, or other children who come to your home near the river, it's important to have added safety measures in place. Some of these measures may include:

  • Gates that can lock on the deck or in the backyard
  • Adult supervision at all times
  • Wearing a life jacket while on the water

By making your home near the river a safe environment, you can avoid water-related accidents. For more on this topic, check out a company like Always Dry Basement Waterproofing.