Flood Insurance

Many residents in Texas want to provide ample protection for their homes and commercial properties. Because storms and natural disasters plague the state periodically, it is a good idea to carry flood insurance on your property. People's Insurance of Texas can add it to your policy.

What is Flood Insurance?

This supplemental insurance option can be added to any standard policy for your home or commercial property. In the standard policies, there is limited protection for water damage. In most cases, you will need flood insurance to cover any structural repair and property damage caused by water. This is especially true if it is related to a natural disaster.

What Natural Disasters Cause Flooding?

From June through November, an active Hurricane season can cause unwanted and dangerous storms in the Gulf. These storms sometimes land in Texas, causing nothing but destruction in their path. Excessive rain can cause flooding in areas that are known to flood. Areas that may not have a history of flooding could also be impacted. Other storms like excessive rain throughout the year can flood an area, or flash flooding where a lot of rain comes down can cause excess water in an area, leading to water damage.

Is Flood Insurance Required?

While the state of Texas does not require flood insurance, it could be required by your mortgage lender, rental agreement, or commercial lease that you sign. When you purchase flood insurance, it is supplemental and added to the central policy. This requirement is common in lenders and leasing agreements in known flood zones. Even if you do not live in a flood zone, you can still opt for flood insurance for extra protection.

Need More Information?

If you have further questions or want a personal quote, contact our agents at People's Insurance of Texas today for more information. We look forward to assisting you with your insurance needs.