Flood insurance fills an important gap that many people do not realize exists. Standard home insurance policies usually do not cover damage caused by flooding, so a separate flood policy is the way most property owners protect against it. From neighborhoods near Dallas creeks to homes along Houston bayous and properties in the Austin hills, Aurora Insurance Services helps Texans understand how flood coverage works and whether it fits their needs.
A flood policy typically includes two parts. Building coverage helps repair the structure of your home, including its foundation, walls, and major systems. Contents coverage helps replace belongings such as furniture, clothing, and electronics.
Flood coverage is not only for homes in designated flood zones. Heavy rain, overflowing drainage, and nearby waterways can affect properties in many areas. Our agents can help you look at your location and decide whether a policy makes sense.
Yes. Renters can purchase contents coverage for their belongings, and condo owners can add coverage for their unit and personal property. It pairs well with renters insurance or condo insurance.
Most flood policies include a waiting period before coverage takes effect. Planning ahead gives your policy time to become active before you need it.
Flood policies are available through the National Flood Insurance Program and through private insurance companies. As an independent agency, we can review both options with you.
Have more questions about protecting your property from flooding? Contact us or call 214-217-0900 to talk with a local agent who can explain your options and help you choose the right coverage.
214-217-0900
