Nothing is worse than seeing everything you’ve worked for floating and floodwater in your home or basement. Many people mistakenly think that flood insurance is automatically included with their homeowner’s insurance policy, but that is not the case. Our agents at Outdoor Insurance Services, serving the Houston, TX area, want you to know that most home insurance policies do not include flood or earthquake insurance, so you have to get an amendment added to your main policy to have these types of coverage.

Do You Need Flood Insurance for Your Texas Home?

Flood insurance is a critical consideration for homeowners in Texas due to the state’s vulnerability to heavy rainfall, hurricanes, and even flash flooding. Texas is known for its unpredictable weather, and severe storms can lead to devastating floods that can cause extensive damage to your home and property. While flood insurance is not required for all homeowners in Texas, it is still a great investment to provide you with the financial protection you deserve.

While the Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program (NFIP), which offers flood insurance policies to homeowners, renters, and business owners, you can have your insurance agent create a policy that works for you and your situation.

Flood insurance will not only cover the structure of your home or building, but it will also help you replace any items that are lost in a flood, such as clothing, furniture, and appliances.

Get Your Flood Insurance Policy Today

You never know when bad weather will be upon you, bringing floodwaters that can invade your home and property. Get ahead of the next storm by securing a flood insurance policy by calling our agents at Outdoor Insurance Services serving the Houston, TX area today!