Flood Insurance in Houston Texas, may not seem mandatory, but you’d 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’t gloss over it. Below, we’ll discuss why you should probably consider flood insurance.
So, Do I Need It?
In your homeowner’s policy, you most likely don’t have flood damage coverage. Even though car insurance is required in most areas because you own a bar, this isn’t 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: “Does a flood insurance premium outweigh the risk of flooding? What costs more?” The National Flood Insurance Program 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.
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For 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’s probably best if it’s 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’ll save money when it actually does do damage.
Things To Consider
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Do you live in an area that’s 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’t 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’s important to be covered when this happens.
Where To Buy Flood Insurance
If you don’t know where to buy flood insurance, it’s really not about shopping around as it’s 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.
No matter how prepared you may seem without insurance, you can never beat mother nature and if you’re area is prone to flood, don’t cut corners to save money as you’ll probably be spending more in the end to repair what’s been ruined.