Why All Homeowners Need Flood Insurance

If you own a home, there are two insurance policies that you absolutely should have to protect your investment. One is home insurance, and the other is flood insurance. Flood insurance is an important part of protecting your home. It’s necessary no matter where you are. Without this insurance, you risk severe financial problems after a flood. If you don’t have this coverage yet, call us at Barry Insurance Group in Pearland, TX to learn more.

Floods and Home Insurance

Many people never get flood insurance because they assume that their home insurance policy protects them against disasters. However, home insurance doesn’t cover floods. If a flood were to happen and your home and possessions were damaged, you’d have to pay for everything yourself if you didn’t have flood insurance. Certain areas are designated as flood zones. People inside those zones usually require flood insurance from their lender or the regional government. However, one out of every five flood claims comes from areas that aren’t in flood zones. You can still be vulnerable to floods if you’re not in a flood zone. 

Government Backed Protection

When you get flood insurance, there’s no worrying about whether the insurance company can pay for all the flood-damaged homes it covers. The National Flood Insurance Program backs flood insurance today. It has government backing, and it’s guaranteed. The program also sets the price of this insurance, so the price will be the same no matter where you get your flood policy. 

Get Flood Insurance in Texas

If you own a home and don’t have flood insurance, call us immediately at Barry Insurance Group in Pearland, TX to get more information about this insurance and get started with it. 

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