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The following article was published in our article directory on December 21, 2012.
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Texas Flood Insurance - Should You Get a Policy Today?

Article Category: Advice

Author Name: Jim

Did you know that a standard home insurance policy does not cover for damages caused by flood? This is why you need Texas flood insurance even if you already have a home insurance policy. One way to get rid of flood insurance is by purchasing a sump pump endorsement and hope it fails. That s the only instance your standard home insurance would cover flood damages. Below are more details that could help you with flood insurance.

Flood Insurance May Be Required

Austin and Houston are just some of the flood prone cities in Texas. If you live in one of these areas, you might be obliged to have flood insurance when buying a home especially when using a mortgage loan.

Even if flood insurance is not required or even if you live away from bodies of water, it is better to purchase a policy that would protect you and your belongings.

How Much Is Flood Insurance

It could be required, it could be not. You surely would want to know how much is a Texas flood insurance policy. The general premium system of insurance applies. You pay less when you live in a low flood risk area.

Just to give you a price range, an annual premium for flood insurance is approximately $600 in 2011. That s if you are in a low risk area. If you live in a highly flood prone area, you might pay thousands of dollars every year. And what do you get? A $4000 flood insurance policy can give up to $250,000 protection.

Importance of Flood Insurance

You can consider the hurricanes that caused flood damages nationwide. In 2005, Hurricane Katrina left insurance companies nearly 170,000 claims for flood damages. Nearly $100,000 was paid to every claim. Undoubtedly, the flood insurance is one of the most important things to buy. You cannot underestimate the power of water. Just look at the reports of National Flood Insurance Program: 90% of natural disasters in the United States involve flood.

Moreover, a flood insurance policy does not only cover you from damages caused by flood brought by a natural disaster (i.e. hurricane). It can also cover you from man-caused flood such as in the case of residential and commercial buildings damaged by flood due to the opening of Morganza Spillway in the previous year.

Rules and Limits on Flood Insurance

The NFIP provides flood insurance up to $250,000. If that amount is not enough, one could avail a policy from a Texas flood insurance company. Note that you cannot avail a flood insurance policy from a private company if you haven t secured your NFIP protection.

In addition, don t think of buying flood insurance now just because weather reports say that a hurricane is approaching and about to hit your area in a couple of days. Take note of the 30-day clause on flood insurance policies. A policy is effective only 30 days after it was purchased. You will not be covered if you purchased the policy last week and flood hits today. Be sure to avail flood insurance as soon as possible.

Keywords: Texas Home Insurance, Texas Flood Insurance, Renters Insurance in Texas, Texas Renters Insurance, Texas Insurance

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