Flood Insurance in Houston, TX
Flood insurance may be essential for homeowners in Houston, Texas, due to the city’s susceptibility to heavy rainfall and hurricanes. Flooding can cause severe damage to homes and lead to significant financial losses. Since standard homeowners insurance usually doesn’t cover flood damage, having flood insurance is vital to protect your property and belongings.
At Esquivel Insurance Agency, our experienced team is here to help you find the right flood coverage for your needs. With our help, you can rest assured that your investment is fully protected if the unexpected happens.
What Is Flood Insurance?
Flood insurance is a type of property insurance that can cover losses due to flooding. It is designed to help homeowners recover from flood-related damage resulting from heavy rains, storm surges or overflowing rivers.
What Do Flood Policies Cover?
Flood insurance typically includes the following two main components:
- Building property coverage—This coverage can protect the structure of your home, including the foundation, electrical and plumbing systems, HVAC systems and built-in appliances. It can also cover detached garages, permanently installed carpeting, paneling and bookcases.
- Personal property coverage—This may cover your personal belongings, such as clothing, furniture and electronics. It can also include curtains and portable appliances. Carpets not included in the building coverage (e.g., carpets over wood floors) may also be covered, along with valuable items like artwork and furs, up to a specified limit.
How Much Does This Cost?
The cost of flood insurance in Texas typically depends on factors such as location, flood risk and coverage amount. Premiums can vary widely based on the property’s flood zone and elevation.
Why Choose Esquivel Insurance Agency?
For dependable flood insurance in Houston, Texas, look no further than Esquivel Insurance Agency. Our dedicated team of professionals is here to provide personalized service and help you find the best coverage for your needs. Contact us today to secure your flood insurance policy and protect your property from potential flood damage.