Flood and homeowners insurance are two separate policies
Floods top the list of natural disasters across the US. Still a comprehensive homeowners insurance policy does not cover you for flood damage. For that you need a separate flood insurance policy. If you live in high risk areas such as Brazoria, Friendswood, Galveston, Houston, League City, Pearland and the Texas gulf coast, then flood insurance is not an option, it is a must. If you need advice regarding flood insurance and homeowners policies, you should speak to the home and flood insurance experts.
Rick Tinker is a recommended and accredited insurance agent serving the communities of Texas with best value flood and homeowners insurance. Homeowners insurance protects your home and possessions for the usual risks including fire, theft, vandalism, liability and water damage. However water damage excludes flood damage. Flood insurance is a separate policy that can be covered by Federal programs or even private insurance.
Homeowners insurance coverage varies from carrier and the costs will also vary across different insurance companies. When you deal with an accredited and independent agent you can be confident that you will get best value home and flood insurance tailored to your risks and your situation. You don’t want to pay too much for home insurance as that will cost you a lot of unnecessary money over the years. At the same time you don’t want to be underinsured as that be very risky and even more costly.
Proper homeowners insurance will provide you with replacement cost coverage and will also protect you against potential liability claims that result from accidents and mishaps in your home or on your property. Building costs continue to rise and you need to be sure your policy limits are high enough to cover reconstruction or rebuilding of your home. An independent agent that understands the insurance needs in your area will give you the best advice regarding effective flood and home property insurance.