If you are shopping around for flood insurance, it’s natural to ask yourself: What does flood insurance cover in Texas? Follow along to learn this and other useful facts about flood insurance.
What Does Flood Insurance Cover in Texas?
A Texas flood insurance policy covers your home for up to $250,000. Note that this doesn’t include your possessions. If you want coverage for your personal items (such as clothing furniture, etc.), you’ll need a separate policy that will provide coverage up to to $100,000.
While Texas law doesn’t require you to have flood insurance, if your house is in a high-risk flood zone, then you may be required to purchase flood insurance as a condition for your mortgage.
Even if you don’t live in a high-risk zone, you should consider getting flood insurance. Just consider this fact: approximately 40% of claims to the National Flood Insurance Program (NFIP) come from outside of high-risk areas.
Why Is It Important to Get Flood Insurance Coverage?
Flood insurance is important because most homeowner insurance policies shield your home against risks such as fire, vandalism, or theft, but not against floods.
So if you believe that you are protected against flood damage just because you have homeowners insurance, think again — the truth is that you need a separate policy if you want flood coverage.
Once you have decided to get flood insurance, it’s important to remember that there’s a waiting period of 30 days before your policy kicks in. In other words: don’t wait to get flood protection until the storm season is approaching!
To learn more about flood insurance, be sure to check out our previous blogs, “How To Get Flood Insurance in Texas?” and “Homeowners Insurance: 6 Extra Coverages You Should Consider.”
Need Flood Insurance in Houston, Texas? BZ Bee Can Help!
Whether it’s floods or any other type of risk, the experts at BZ Bee insurance are always by your side to offer the dependable protection you and your family deserve.
We are located in Houston, Texas, and serve clients all over the Lone Star state. To get a free quote, just contact us by email (ayalamariaeugenia@yahoo.com) or telephone (832-729-8114), or fill out the contact form on this website.
