{"id":185,"date":"2016-03-25T17:18:08","date_gmt":"2016-03-25T17:18:08","guid":{"rendered":"https:\/\/houstonnationalinsurance.com\/blog\/?p=185"},"modified":"2016-03-25T17:19:04","modified_gmt":"2016-03-25T17:19:04","slug":"do-i-really-need-flood-insurance","status":"publish","type":"post","link":"http:\/\/houstonnationalinsurance.com\/blog\/do-i-really-need-flood-insurance\/","title":{"rendered":"Do I Really Need Flood Insurance?"},"content":{"rendered":"<div data-animation=\"no-animation\" data-icons-animation=\"no-animation\" data-overlay=\"\" data-change-size=\"\" data-button-size=\"1\" style=\"font-size:1em;display:none;\" class=\"supsystic-social-sharing supsystic-social-sharing-package-flat supsystic-social-sharing-content supsystic-social-sharing-content-align-center\"><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter facebook\" target=\"_blank\" title=\"Facebook\" 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data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"Do I Really Need Flood Insurance?\" rel=\"nofollow\"><i class=\"fa fa-fw fa-twitter\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">1<\/span><\/div><\/a><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter googleplus\" target=\"_blank\" title=\"Google+\" href=\"https:\/\/plus.google.com\/share?url=http%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2Fdo-i-really-need-flood-insurance%2F\" data-nid=\"3\" data-pid=\"1\" data-post-id=\"185\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"Do I Really Need Flood Insurance?\" rel=\"nofollow\"><i class=\"fa fa-fw fa-google-plus\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">0<\/span><\/div><\/a><a class=\"social-sharing-button 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data-nid=\"9\" data-pid=\"1\" data-post-id=\"185\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"Do I Really Need Flood Insurance?\" rel=\"nofollow\"><i class=\"fa fa-fw fa-stumbleupon\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">1<\/span><\/div><\/a><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter linkedin\" target=\"_blank\" title=\"Linkedin\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&title=Do+I+Really+Need+Flood+Insurance%3F&urlhttp%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2Fdo-i-really-need-flood-insurance%2F\" data-nid=\"13\" data-pid=\"1\" data-post-id=\"185\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"Do I Really Need Flood Insurance?\" rel=\"nofollow\"><i class=\"fa fa-fw fa-linkedin\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">0<\/span><\/div><\/a><\/div><p><strong><a href=\"http:\/\/www.houstonnationalinsurance.com\/flood-insurance.php\" target=\"_blank\">Flood Insurance in Houston Texas<\/a><\/strong>, may not seem mandatory, but you\u2019d be surprised at how helpful it will be! First time home buyers may look to cut corners when it comes to expenses and insurance when they have a brand new mortgage, but when it comes to flooding, you really shouldn\u2019t gloss over it. Below, we\u2019ll discuss why you should probably consider flood insurance.<\/p>\n<p><strong>So, Do I Need It?<\/strong><\/p>\n<p>In your homeowner\u2019s policy, you most likely don\u2019t have flood damage coverage. Even though car insurance is required in most areas because you own a bar, this isn\u2019t the case when it comes to flood insurance and your home. There is a major question homeowners must ask themselves when it comes to protecting their personal belongings and their home. This question is:<strong> \u201cDoes a flood insurance premium outweigh the risk of flooding? What costs more?\u201d <a href=\"https:\/\/houstonnationalinsurance.com\/blog\/the-national-flood-insurance-program-2-major-drawback-areas\/\" target=\"_blank\">The National Flood Insurance Program<\/a><\/strong> has a low annual premium per year in comparison with costs that it will take to get your home back to normal if water problems rise.<\/p>\n<p style=\"text-align: center;\"><strong>Watch and Contact for Houston \u00a0Progressive Insurance Agent, Texas<\/strong><\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/bOVEuhO26Hs\" width=\"640\" height=\"360\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><br \/>\nFor the NFIP, most people only pay $650 as a premium per year, and while it may seem like a ton of money for those who will never use it, Texas can be prone to crazy flooding and it\u2019s probably best if it\u2019s bought. If you live in an area that is more prone to flooding and rising sea levels, you may want to highly consider flood insurance as you\u2019ll save money when it actually does do damage.<\/p>\n<p><strong>Things To Consider<\/strong><\/p>\n<p>Do you live in an area that\u2019s rather dry and nowhere near a body of water? If so, think about the accumulation of rain in your area. Do you live at the bottom of a hill? If so, you may want to consider flood insurance. If you don\u2019t live near proper drains at the bottom of the hill, flood insurance will be a necessity. While you may think your home is safe now, all it takes is one major rainstorm at the bottom of the hill to cause small renovations. Even the smallest bit of rain can cause mold within your home and it\u2019s important to be covered when this happens.<\/p>\n<p><strong>Where To Buy Flood Insurance<\/strong><\/p>\n<p>If you don\u2019t know <strong><a href=\"http:\/\/www.houstonnationalinsurance.com\/\" target=\"_blank\">where to buy flood insurance<\/a><\/strong>, it\u2019s really not about shopping around as it\u2019s about getting from a reliable source. National and state-run programs like the National Flood Insurance Program can give you a great rate while reliably covering you when something happens. If you want to find something cheaper, there are private insurers that will have cheaper rates than the NFIP, but may not have everything you want when it comes to cover.<\/p>\n<p>No matter how prepared you may seem without insurance, you can never beat mother nature and if you\u2019re area is prone to flood, don\u2019t cut corners to save money as you\u2019ll probably be spending more in the end to repair what\u2019s been ruined.<\/p>\n<h2 style=\"text-align: center;\"><strong><span style=\"color: red;\"><a href=\"http:\/\/www.houstonnationalinsurance.com\/contactus.php\" target=\"_blank\">Request a Quote for Flood Insurance in Houston, Texas at Affordable Price<\/a><\/span><\/strong><\/h2>\n","protected":false},"excerpt":{"rendered":"<div data-animation=\"no-animation\" data-icons-animation=\"no-animation\" data-overlay=\"\" data-change-size=\"\" data-button-size=\"1\" style=\"font-size:1em;display:none;\" class=\"supsystic-social-sharing supsystic-social-sharing-package-flat 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data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"Do I Really Need Flood Insurance?\" rel=\"nofollow\"><i class=\"fa fa-fw fa-google-plus\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">0<\/span><\/div><\/a><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter pinterest\" target=\"_blank\" title=\"Pinterest\" href=\"http:\/\/pinterest.com\/pin\/create\/link\/?url=http%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2Fdo-i-really-need-flood-insurance%2F\" data-nid=\"7\" data-pid=\"1\" data-post-id=\"185\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"Do I Really Need Flood Insurance?\" rel=\"nofollow\"><i class=\"fa fa-fw fa-pinterest\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">1<\/span><\/div><\/a><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter stumbleupon\" target=\"_blank\" title=\"StumbleUpon\" href=\"http:\/\/www.stumbleupon.com\/submit?url=http%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2Fdo-i-really-need-flood-insurance%2F&title=Do+I+Really+Need+Flood+Insurance%3F\" data-nid=\"9\" data-pid=\"1\" data-post-id=\"185\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"Do I Really Need Flood Insurance?\" rel=\"nofollow\"><i class=\"fa fa-fw fa-stumbleupon\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">1<\/span><\/div><\/a><a class=\"social-sharing-button sharer-flat sharer-flat-1 counter-standard without-counter linkedin\" target=\"_blank\" title=\"Linkedin\" href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&title=Do+I+Really+Need+Flood+Insurance%3F&urlhttp%3A%2F%2Fhoustonnationalinsurance.com%2Fblog%2Fdo-i-really-need-flood-insurance%2F\" data-nid=\"13\" data-pid=\"1\" data-post-id=\"185\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-url=\"http:\/\/houstonnationalinsurance.com\/blog\/wp-admin\/admin-ajax.php\" data-description=\"Do I Really Need Flood Insurance?\" rel=\"nofollow\"><i class=\"fa fa-fw fa-linkedin\"><\/i><div class=\"counter-wrap standard\"><span class=\"counter\">0<\/span><\/div><\/a><\/div><p>Flood Insurance in Houston Texas, may not seem mandatory, but you\u2019d be surprised at how helpful it will be! First time home buyers may look to cut corners when it comes to expenses and insurance when they have a brand <a href=\"http:\/\/houstonnationalinsurance.com\/blog\/do-i-really-need-flood-insurance\/\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":186,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_s2mail":"yes","footnotes":""},"categories":[12,16],"tags":[13,39,11],"class_list":["post-185","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-flood-coverage","category-insurance","tag-flood","tag-houston","tag-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Why do really need flood insurance in Houston? 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