Texas Flood Insurance Coverage

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Flood Insurance Coverages

Flood Insurance

According to the statistics, houses are much more likely to be damaged by floods than by fire; especially you live in a flood-prone area, such as South and Central Texas. Therefore, if you own a property or home in these two areas, you definitely should have flood insurance, the purpose of which is to protect the building itself and all your personal belongings. If you are a resident of the Lone Star State and you are thinking of getting flood insurance, Cunningham & Associates prepared a list of things you should take into consideration:

  • Flood insurance provides two types of coverage - for the structure of the house itself and its contents.
  • Structural flood insurance protects the building and covers the following: cabinets, foundation walls and staircases, plumbing systems, fuel tanks, kitchen appliances, window blinds, garages, and water heaters.
  • It is important to know and remembers that standard home insurance, renter’s insurance, and car insurance do not cover damage to a house or personal belonging from flooding. Only flood insurance covers the losses associated with floods.
  • In general, flood insurance is not required in Texas. However, lenders may require homebuyers to get flood insurance before approving them for a loan.

Whether you live in Central or South Texas, or any other part of the Lone Star State, it is recommended to carry flood insurance for the full and proper protection of your home and personal belongings. Choosing the right policy is a complicated task - there are so many things to consider. If you are a resident of the Lone Star State and you are looking for flood insurance, Cunningham & Associates is ready to help you make an informed decision. All you need to do is to visit our office for more information or give us a call to talk to one of our team members.

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