Flood Insurance

Ware Insurance of Texas wants you to enjoy the financial security provided by flood insurance. No home or renters’ policy in the US covers floods. You must purchase flood coverage separately through the National Flood Insurance Program (NFIP).

Flood Maps and the Federal Emergency Management Agency (FEMA)

Sometimes, you don’t get a choice of whether or not to purchase flood insurance. FEMA conducts flood studies nationally and creates flood maps of each US locality. Homes in areas with a high risk of flooding require flood insurance coverage. Suppose you obtain a mortgage through a financial institution backed by the Federal Deposit Insurance Corporation (FDIC). In that case, you’ll need to acquire flood insurance if your home lies within a high-risk flood area. The home sales documents will note this fact.

Flood Insurance

Let Ware Insurance help you obtain the flood policy to cover your home and property. This policy pays for home repairs or replacement if the home incurs damage from rising water, regardless of its cause. That means if a dam breaks, you’re covered. If a hurricane causes flooding, you’re covered. If thunderstorms rage for days and cause flooding, you’re covered.

Even those who rent their home instead of owning one need flood insurance. While homeowners typically carry a structure plus contents policy to cover the house itself and its items, renters can purchase a contents-only flood policy. This policy type provides coverage for damage or replacement items like clothes, computers, TV, furniture, etc.

Contact Us Today

Regardless of which insurance option you choose, let Ware Insurance of Texas help you obtain it. Our friendly, helpful insurance agents can assist you in selecting the right coverage for your home. Call or email us today to obtain the right flood insurance for your home.