Flood Insurance in Texas

Floods happen whether you live in a flood zone or not. They're a fact of life. When a flood happens, it can damage your home. As a homeowner, you're going to want the added coverage that flood insurance provides.

Flood Insurance Basics

Flooding is not covered in your standard homeowner's policy, but you can get a flood insurance policy. While Texas doesn't require homeowners to purchase flood insurance, your mortgage company might if you live in a flood zone.

Whether you live in a flood zone or not, you should consider flood insurance if you live in Texas. You never know when flooding may happen. It's best to be prepared.

A flood policy covers damage directly caused by flooding. Moreover, it can cover your home and its contents.

Flood Insurance Coverage

For example, it may cover the following if they're damaged due to flooding:

• Electrical and plumbing
• furnaces and water heaters
• Refrigerators, stoves, and built-in appliances
• Debris Removal
• Personal items like clothing and furniture

As you can see, flood insurance covers your home and its contents in the event of damage caused by flooding.

Don't Wait for the Flood to Happen.

Most flood insurance policies have a 30-day waiting period for the policy to kick in. If you wait to get flood insurance, you may get caught with no coverage when the next flood happens.

That would leave you to pay for the cost of repairs to your home and replacing your belongings out of pocket. Purchasing flood insurance will provide you with the knowledge that your home and belongings are covered when you experience a flood.

Contact us today to learn how Christian Insurance Agency in Magnolia, TX can help you obtain reliable flood insurance coverage. We're more than willing to provide you with more information or help to get the process started.