Flood Insurance in Texas

Did you know that just an inch of water in your home could cause thousands of dollars in property damage? Sadly, many homeowners decide not to acquire coverage because they believe they are safe from flooding. Texas doesn’t require homeowners to purchase flood insurance but if your property is in the high-risk zone, you need to buy coverage as a condition of closing on your mortgage. We at InsPeak in Arlington, have knowledgeable, friendly professionals who can help you make personalized flood coverage plan unique to your desires and requirements.

Why do you need flood insurance?

• Guaranteed compensation: You are compensated for any losses incurred as long as you are covered.
• Keep your loved ones safe: Comprehensive flood insurance will ensure that your family and property will be taken care of should any eventuality occur.
• Improves your home value: Coverage is both affordable and straight forward. It can save you thousands in property repair and replacement.
• Peace of mind: After buying food insurance it brings relief knowing that your property and loved ones are catered for if any unthinkable happens.

What is covered

• Essential systems at home: Electrical and plumbing systems, air conditioners, heat pumps, water heaters.
• Appliances: Refrigerators, washing machines, dryers,
• Carpeting and window treatment.
• Personal property.
• Foundation walls, anchorage systems, and staircases attached to buildings.

Texas offers the following types of flood insurance:

The national flood insurance program (NFIP)

It’s also known as FEMA which is traditionally written and insured by the federal government.

Private flood insurance

They offer higher limits of coverage without requiring an excess flood insurance policy. It provides more comprehensive coverage than NFIP.

No one can predict the full force and patterns of mother nature. So, if you are a resident of Arlington, TX feel free to call or visit our InsPeak website for more information and queries.