Flood Insurance in Texas

Texas Insurance Options

Are you considering flood insurance for your home? If so, there’s only one place to get it from, and that is here at Jason Ridley Agency located in Colleyville, TX. If you already have a homeowner’s insurance policy, you should keep in mind that most of them do not include flood protection. This is why it is a good idea to obtain separate flood insurance to pay for any damages from a possible flood in your home and other areas of your property. Floods can do a lot of substantial damage, and without it, you will suffer significant financial loss.

Flood Insurance Laws

It’s important to note that Texas does not require homeowners to obtain flood insurance. However, if you are under a mortgage loan that requires some type of flood insurance coverage, you may need to purchase it. If you own a home in a high-risk zone (which can be located on a flood map), it just means that your home is at a higher risk of flooding and insurance is necessary. There is only one way to help protect your valuables and your home from flooding and other weather threats.

Flood Insurance Coverage

Usually, flood insurance policies will make sure your home is covered up to $250,000. However, you may need an additional policy just to cover your personal property. You can get an additional $100,000 in coverage just for that.

You can take advantage of:

• Coverage for personal property - which includes furniture, appliances, televisions, and clothing
• Coverage for building property - which consists of the structure of your home and refrigerators, and plumbing/electrical systems

Quotes

If you live in or near Colleyville, TX and are on the market for flood insurance, contact our Jason Ridley Agency office for a quote today. We understand the importance of protecting your home from flood damage and will guide you through the flood insurance process.