As a Texas independent insurance agent I frequently get questions about flood insurance.  Here are eight reasons to consider getting flood insurance:

  • Your homeowner’s insurance policy does not cover flood damage.  One of the main reasons people get homeowners insurance is for protection against a loss from fire.  In texas you are far more likely to have flood damage than fire damage.  Flood insurance is valuable coverage for one of your most important assets.
  • Everyone lives in a flood zone.  (According to the FEMA website.) in other words there is no such thing as a home that cannot be flooded.
  • Even an inch or two of water can cause very costly damage to your property
  • Federal disaster assistance is normally a loan that you must pay back with interest.  This is not a good substitute for insurance.
  • It is easy to get flood insurance.  You can get a quote and order a policy on the internet or by phone.  This often takes less than 15 minutes.
  • In the event of a flood disaster it is far better to be one of the people with flood coverage.
  • With this insurance your family will have less to worry about when a big storm is in the news
  • Flood insurance is generally inexpensive.