What is flood insurance? Flood insurance is what it sounds like: An insurance plan to cover you when floods strike. You may be aware of flood insurance, but do you understand the areas covered by flood insurance? If not, Insurance Over Texas in Houston, TX shares the areas that flood insurance covers you.

Building protection

Perhaps, this is the most common reason why most people purchase flood insurance. Whether flood insurance is from National Flood Insurance Program (NFIP) or private carriers, it protects your building when floods strike. Typical flood insurance covers your dwelling in the following areas:

• Your home foundation
• Electrical and plumbing system
• Permanently installed carpets
• Window blinds
• Detached garages
• Walls
• Permanently installed cabinets and bookcases

Since putting up your home has called for heavy investment, don’t let what you have worked so hard be brought down by floods. Instead, purchase flood insurance.

Assets protection

When you purchase flood insurance, there is an option to include contents coverage, which covers the below:

• Washers and dryers
• Personal items like clothing, furniture, and electronics
• Portable microwaves
• Carpets that aren’t permanently installed

When purchasing flood insurance, please pay attention to what it covers and excludes. For instance, typical flood insurance covers high-value items to a certain amount. Generally, standard flood insurance covers art and fur for a maximum of $2,500. However, you can increase this limit by purchasing a “rider.”

Compliance

No Texas law requires you to purchase flood insurance, but you may need this coverage if a federal-regulated lender finances your home. That said, your mortgage lender may insist you purchase flood insurance if you live in a flood-risk area.

Buy flood insurance in Houston, TX today!

When floods strike, most homeowners are shocked when they discover that their typical home insurance doesn’t cover them from flood damage.  Luckily, you don’t have to wait for floods to occur to find out that your home insurance is insufficient. Instead, contact Insurance Over Texas for an affordable flood insurance policy.