Welcome, one size does not fit all.
Many items to consider - monthly premium, deductible and what is and is not covered. Let one of our professional licensed agents work for you to find what is the right fit for you.
Coverages and features vary depending on the type of policy and the insurance company. Read any policy you’re considering before you buy it. Pay special attention to the exclusions section, which lists the things your policy does not cover, and to the declarations page, which shows the amount of each of your coverages and deductibles.
Homeowners policies don't cover flood damage. To protect yourself from losses caused by most flooding, you may buy a separate flood insurance policy from the National Flood Insurance Program (NFIP).
The Federal Emergency Management Agency (FEMA) runs NFIP. If your property is in a special flood hazard area, your lender will require you to have flood insurance.
Although flood insurance covers damage from most scenarios of rising water, flood insurance has exclusions and should be paired with a comprehensive homeowners or commercial property policy.
Flooding from appliances, such as a toilet overflow or broken sump pump, are typically covered in homeowners and renters policies. Storms that remove a roof, only to allow rainwater to enter the house would also be covered in most homeowners policies. Coverage is also limited for basements and mold causing claims, these typically aren’t covered by flood insurance.
It’s always wise to confirm what types of water damage are covered in your flood insurance policy, as well as homeowners, renters or commercial property policies.
Most areas of flooding, naturally occur on the coastlines. Regardless of your view on climate change, flooding has increased in Texas in recent years. Texas has 367 miles of exposed coastline ranking sixth for all U.S. states.
For Texas communities such as Corpus Christi, Angleton, Port Arthur, Galveston, Houston, and surrounding cities and suburbs, heed a strong recommendation for flood insurance, as hurricane risks are imminent.
Flood insurance has a mandatory 30 day waiting period before your policy will take effect, so please call us before the next flood waters start to rise.
Most homeowners policies don't cover windstorm and hail damage if you live in any of the 14 coastal counties or parts of Harris County on Galveston Bay.
The Texas Windstorm Insurance Association (TWIA) is the state's insurer of last resort for windstorm and hail coverage.
When a hurricane enters the Gulf of Mexico (80 degrees longitude and 20 degrees latitude), you may no longer change or buy windstorm coverage.
Lets review your Homeowners, Flood and Windstorm policy today!
We are always striving to make your insurance experience as efficient and convenient as possible. Thanks for a Great 2016!
Susan Flagg - HISOT CEO
Susan's Tips - Buy insurance like an insurance agency CEO - PRO.
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