Flood Insurance for Texas
What is Flood Insurance?
Flood insurance provides financial protection for destruction caused by floods. Although it may not seem like much, a couple of inches of water in your home or business can cause damages that result in thousands of dollars in repair and restoration costs.
Doesn't my home insurance cover flood damage?
NO! Homeowners insurance does not cover floods or earthquakes. Purchasing a Flood Insurance policy is the safest way to handle the costs of flood damage.
What does flood insurance cover?
Although it may not seem as necessary as homeowners insurance, flood insurance is important if you plan on keeping your home safe and your possessions secure. Flood coverage offers protection for:
- The insured structure and its foundation
- Electrical and plumbing systems
- Central air conditioning machines, furnaces, & water heaters
- Refrigerators, range tops, & built-in home equipment
- Tile, stone, carpets or hardwood flooring
- Paneling, wallboard, bookcases, & cabinets
- Window blinds
- Detached garages detached buildings (other than garages) require a separate Building Property insurance policy
- Garbage removal
Personal contents inside your home.
- Personal possessions
- Window Dressings
- Window air conditioners
- Microwave ovens and dishwashers
- Carpets
- Washers and Dryers
- Freezers and Refrigerators
- itemized important items along the lines of artwork, leather & furs (up to $2,500)
What can not be covered inside your insurance coverage :
- Damage triggered by dampness, mildew, or mold that could have been averted by the home owner
- Currency, precious metals, and valuable papers
- Property and belongings outside of an insured building.
- Living expenses along the lines of temporary housing
- Financial losses brought on by business interruption or loss of use of insured property
- Nearly all vehicles like automobiles, motorcycles, RV's etc....
Do you live inside a High-Risk Flood zone? Not Sure?
Preparation is key! When it comes to keeping your home & business out of deep water. If your property or company is in a low or moderate flood zone, your structures may qualify for a low-cost Preferred Risk Policy. While you are not required to buy flood insurance within a low-to-moderate flood risk zone, a Preferred Risk Policy will protect your property and its contents from financial devestasion if you're hit by a small flood, or if a larger flood has extended into your low risk area. In truth, a number of flood insurance claims happen in low-to-moderate risk locations. Jesse Trevino Insurance Agency Inc. can take you thru your options and help you understand what is covered and what is not considered a risk within your area.
For further info on Flood Insurance get in touch with, Jesse Trevino Insurance Agency Inc. at 210-521-8803 or complete our online submission form above for your FREE Flood Insurance Quote today.
Jesse Trevino Insurance Agency Inc. has the most affordable Flood Insurance, we can write San Antonio Flood Insurance, Leon Valley Flood Insurance, Pleasanton Flood Insurance, Kyle Flood Insurance, and all of Texas,online Flood Insurance quotes Available.
