Are you equipped with all the necessary policies to combat the devastations, the flood can cause to you?
If not, then you are doing huge and uncorrectable mistake which may cost you a lot.
Natural calamities can occur anytime and anywhere and it is not in our hand to stop such a catastrophe instead, we can mitigate its effect on our life by some preplanned measures. One among those is to get your property insured by the best insurance provider. Flood Insurance will definitely give you strength to overcome your pain of loss. Christian Insurance Agency is dedicated to helping you find the best suitable flood policy to cater all your need of flood insurance in Texas states of Dallas, Houston, Conroe, Magnolia regions.
Although hurricanes get most of our attention, the flood is the fatal calamity which possesses the threat to the life and property of US state, Texas is the state which has the greatest risk of flood among all others. Unfortunately, most typical homeowners and property insurance policy does not cover Flood.
Flood insurance policies have typically has coverage limit for your home structure and for its contents, although, there are provisions to buy an insurance with higher coverage. If you are a renter in Texas State then your landlord is responsible for the policy of the structure and you for the belongings. The flood insurance policies typically cover the following.
Standard home appliances – This generally includes air conditioners, plumbing, electrical systems, furnace, and water heater.
Carpeting – Includes the book cabinets, bookcases and paneling if damaged.
Personal property and appliances – It includes clothing electronics furniture’s and home appliances like washing machine and refrigerator unless otherwise they are kept in your basement
Support structures – It includes support structures of your house like the staircases, if they are built inside your house
Garage – The maximum of 10% of your structural coverage can cover the garage.
There may be some exclusion to the policy as well but it depends upon the policy you choose, some common exclusions are
The most important aspect of the flood insurance is your home location in the flood map and elevation. You must also need to access the coverage, your insurance is covering. If you live in high flood areas you should also account for the cost of relocation, staying in the hotel etc. if your home becomes inhabitable.
Christian Insurance Agency can guide you choosing the most appropriate flood insurance for your home and belongings. We will access all the potential factors and benefits you may get choosing the flood insurance. Just fill up the form below and our experts will contact you soon and will work together as a family to guide you to the best.
All you have to do is just fill a quick form and we will get in touch soon. Or, you can call us at 281.789.4070