How much flood insurance do you need in Houston, TX?

Houston, TX is a beautiful city with an abundance of opportunities. H-Town is also a region prone to hurricanes and tornadoes that bring heavy flooding. Flood insurance is an absolute must in Houston, which is why the agents at Memorial Insurance Agency are eager to help you find the right plan. 

Does flood insurance come with a standard home insurance policy?

Flood insurance does not come standard with a traditional home insurance plan. The average standard home indemnity plan pays for general liability along with damages to the structure not related to natural disasters. 

Some homeowners in Houston, TX purchase a standard home insurance policy with the impression that they are fully covered in all instances of unexpected disasters. They are devastated to learn they do not have the protection needed to recover when tragedy strikes. 

Avoiding the downfall of being underinsured is often a matter of speaking with a professional who can thoroughly explain the benefits of your policy. Understanding the difference between what is considered a natural disaster and a man-made incident is also important. 

Does flood insurance cover a burst pipe?

Flood insurance does not cover a burst pipe that causes significant damage to your structure or personal items. A good standard insurance plan may pay for such damages. 

How much flood insurance do you need?

The amount of flood insurance you may need depends on a number of factors not limited to:

  • The value of your home;
  • Your budget; 
  • Your lifestyle preferences;
  • How often your area experiences inclement weather. 

The agents at Memorial Insurance Agency can help you understand the benefits of flood insurance. They can also assist in crafting the policy that best suits your needs. Call Memorial Insurance today for a quote for flood insurance coverage.