Is Flood Covered by Home Insurance?

Flood can be caused by torrential rain often associated with spring thunderstorms in Texas. Recent road construction, a creek coming out of its banks, slow steady rain over several days, recently built commercial developments, new home construction or simply a clogged street gutter backing up from the street into your yard are some other culprits of flooding.


Insuring Your Engagement Ring

Homeowners insurance can cover some jewelry up to a certain monetary value and protect from several perils. The most common perils are fire, windstorm, and theft. A typical home insurance policy only covers your jewelry up to a $500, 1,500, or maybe $5,000 depending on your policy terms and for only limited perils.

flooded home

Who Needs Flood Insurance?

Homeowners insurance and flood insurance is one of the important steps you can take to protect one of your biggest investments – your home. Most Texas home owners insurance policies do not cover flood – it is a separate policy. Unless its required by your mortgage lender at the time of purchase, then it can typically take 30 days to apply for flood insurance policy before it goes into effect.