What Does Flood Insurance Cover?

If you own a home in Deer Park, TX, flood insurance is a must-have. Your home is the most valuable asset you probably own. The best thing you can do is to guard it by purchasing flood insurance safely. And since home insurance does not cover floods, it would help if you had a separate flood insurance policy.

Just because your home has not flooded before doesn’t mean it won’t do so in the future. Unfortunately, Mother Nature can knock any time, and you don’t want to wait to receive her wrath unprepared. That’s why you need to buy flood insurance from Shell Insurance Agency. This way, you will get coverage in the following areas:

Building property coverage

Flood insurance covers damages to your home in the event of an unfortunate event. Building property coverage covers the following:

  • Plumbing systems and electrical
  • Window blinds
  • Water heaters and Furnaces 
  • Refrigerators, build-in appliances, and cooking stoves
  • Detached garages
  • Solar energy, fuel tanks, and pumps
  • Detached garages
  • Staircases, anchorage systems, and foundation walls

Personal contents coverage

Your flood insurance also protects the contents of your home. You have to disclose your contents correctly to your insurer. Here is a list of the contents inside your home that the policy covers.

  • Furniture
  • Electronics
  • Clothing
  • Dishwashers
  • Portable air conditioners and microwaves
  • Dryers and washers
  • Freezers and the food inside the freezers
  • Certain valuables like arts but up to a specific limit

You can purchase flood insurance from the National Flood Insurance Program (NFIP) or private insurers. Either way, you will have a policy that shields when floods strike.

Flood insurance in Deer Park, TX

Flood insurance protects the things you value. It’s essential to talk to your insurer also to learn what flood insurance does not cover. Ready to purchase a flood insurance policy? Contact us at Shell Insurance Agency for an affordable quote.