Flood Insurance in Texas

Most flood insurance policies do not cover flood damage. Because of this, it is vital to have a separate flood insurance policy. Flooding can cause thousands of dollars’ worth of damage. Without flood insurance, this cost would all come out of your pocket, leaving your finances in shambles.

Here at Roberts Family Insurance in Friendswood, TX, we can ensure you get the right coverage for flood damage with flood insurance.

What is flood insurance, and why is it important?

Flood insurance covers the costs related to damage from flooding. There is a high risk of flooding in Texas, meaning that if you live in Texas, you might want flood insurance.

Although it is not a state requirement, if you live in a high flood area, there is a chance that your lender will require flood insurance as well as home insurance. Without insurance, you are at a higher risk to the lender than you are with insurance.

What does flood insurance cover?

Flood insurance has two types of coverage. These types include content coverage and building coverage.

Building coverage

Building coverage consists of the following items:

  • Electrical systems
  • Plumbing systems
  • Water heaters
  • Furnaces
  • Attached cabinets, bookcases, and paneling
  • Carpet
  • Built-in appliances, refrigerators, and cooking range
  • Window blinds
  • Foundation walls and staircases
  • Detached garages
  • Fuel tanks
  • Water tanks and pumps
  • Solar energy equipment

Content coverage

Content coverage includes the following items:

  • Personal belongings
  • Washer and dryer
  • Curtains
  • Microwave
  • Valuable items
  • Portable air conditioners

Other Coverage

  • Temporary housing and living expenses
  • Other property outside of the building
  • Business interruption
  • Valuable papers, currency, and precious metals
  • Cars and their parts
  • Personal property that is kept in basements

Although flood insurance covers many things, it doesn't include damage from sewer backups.

Contact us

If you live in Friendswood, TX and are in the market for flood insurance, look no further than Roberts Family Insurance.