With more flash floods and hurricanes popping up across the world than ever before, have a flood insurance policy in place may not be a bad idea. While Texas homeowners are not required to have flood insurance, it is a good idea to protect your home which is one of the largest and most expensive investments you will make in your lifetime.
Many people are under the impression that flood coverage is included in their homeowner’s insurance policy but then find out it is not a part of their policy. You need to talk to an agent who has experience and knowledge of flood insurance, such as the insurance agents at the Heydari Financial Group in Houston, TX who can help you create a policy that works for you and your property.
Flood Insurance Policy Coverages
Your flood insurance policy can be obtained through your insurance agent and the National Flood Insurance Program (NFIP) and you have two options to choose from. One option will provide coverage for your home up to $250,000 while the other will cover your personal property up to $100,000. For example, if your home is destroyed by a flood, you will be issued enough money to purchase a new home or rebuild at the site of the house you lost to flooding. Your personal property will also be covered, which includes your furniture, clothing, appliances, and other personal items you worked hard to purchase. Some of the items not covered under a flood insurance policy include cash, stocks, and bonds so those things should be kept at a location other than your home, such as a safety deposit box.
To get a quote or make an appointment with a trusted and experienced agent, contact the Heydari Financial Group in Houston, TX, by calling our office today!