What Does Flood Insurance Cover in Texas?

As a homeowner in Texas, it’s essential to be aware of the dangers of flooding and to have adequate protection against this natural disaster. Flood insurance is an integral part of that protection, but what does it actually cover? Boss Insurance Agency is here to help. 

What Does Flood Insurance Cover?

Flood insurance covers damage to your home and personal property caused by flooding. This includes water that enters your home through foundation cracks, windows, or doors; water that rises from the ground and enters through openings in your foundation; and water that overflows from rivers or lakes onto your property.

What Does Flood Insurance Not Cover?

There are some things that flood insurance does not cover, such as damage caused by storms, high winds, or sewage backup. It also does not cover costs associated with moving your belongings to a safe location or repairing any cosmetic damage to your home (such as repainting).

Your Boss Insurance Agency representative in Kingwood, TX can help determine whether you need flood insurance and how much coverage is right for you.

How Much Does Flood Insurance Cost?

The cost of flood insurance depends on several factors, including the age and value of your home, its location, and whether you live in a Special Flood Hazard Area (SFHA). Other factors affecting your premium include the policy type and the coverage you need.

Get The Right Coverage Today

For a homeowner in Texas, it’s crucial to have adequate protection against flooding. Flood insurance is essential to that protection, but what does it cover? Now that you know more about what flood insurance covers and doesn’t cover, you can decide whether it’s right for you. If you have questions or want a quote for flood insurance, give us a call at Boss Insurance Agency in Kingwood, TX today.