What is Flood Insurance?

Flood insurance is a specific type of coverage designed to protect property owners from losses due to flooding or rising waters. Unlike standard homeowner’s insurance, which typically does not cover flood damage, flood insurance provides the necessary financial protection for your home and belongings in the event of a flood.

Why Do You Need Flood Insurance in Texas?

Texas is known for its diverse weather conditions, including heavy rains and hurricanes, which can lead to significant flooding. Whether you live in a high-risk flood zone or an area that rarely floods, having flood insurance ensures you are protected against unpredictable and potentially devastating water damage.

Key Benefits of TRB Insurance’s Flood Insurance

• Comprehensive Coverage: Protects your property structure and contents from flood damage.
• Affordable Rates: Competitive pricing tailored to your property’s location and flood risk.
• Quick Claims Processing: Efficient claims handling to get you back on your feet faster.
• Customizable Policies: Options to cover everything from the building itself to personal belongings and basement improvements.

What Does Flood Insurance Cover?

Building Property Coverage

Our flood insurance policy covers the physical structure of your home, including:

• Foundation walls
• Electrical and plumbing systems
• Built-in appliances
• Flooring and carpeting

Personal Property Coverage

Protects your personal belongings from flood damage, including:

• Furniture and electronics
• Clothing and household items
• Portable appliances
• Valuables up to a specified limit

How Much Does Flood Insurance Cost in Texas?

The cost of flood insurance in Texas varies based on several factors, including:

• Property location and flood zone
• Elevation of the property
• Coverage limits and deductibles
• Building age and structure

To get an accurate quote, contact our agents who will assess your property’s risk and provide a tailored insurance plan.

How to Get Flood Insurance from TRB Insurance

1. Assess Your Risk: We will help determine your property’s flood risk using FEMA’s Flood Map Service Center.
2. Request a Quote: Provide details about your property and desired coverage through our online form or by calling our office.
3. Customize Your Policy: Work with our agents to choose the right coverage options for your needs.
4. Get Covered: Finalize your policy and enjoy peace of mind knowing your property is protected.

Frequently Asked Questions

Is flood insurance required in Texas?

Flood insurance is required if you live in a high-risk flood area and have a mortgage from a federally regulated or insured lender. Even if it’s not required, it’s a smart investment for all Texas homeowners.

Does homeowner’s insurance cover flood damage?

No, standard homeowner’s insurance policies typically do not cover flood damage. Separate flood insurance is necessary for this coverage.

Can I purchase flood insurance at any time?

Yes, you can purchase flood insurance at any time. However, there is usually a 30-day waiting period before the coverage takes effect, so it’s best to buy before flood season begins.

Why Choose TRB Insurance?

At TRB Insurance, we understand the unique flood risks faced by Texas homeowners. Our flood insurance policies are designed to offer comprehensive protection and peace of mind. With personalized service and expert guidance, we help you choose the best coverage for your needs.

Contact Us

Protect your Texas home from flood damage with TRB Insurance’s reliable flood insurance. Contact us today for a free quote.