Flood Insurance in Texas

At Nest Insurance Agency in Lubbock and Amarillo, TX, we offer flood insurance that insures you against flood damages. Floods are spontaneous and can cause devastating damage to your property. What most people do not know is that homeowner's insurance does not cover damages caused by floods or flash floods; to get flood protection you have to accept additional coverage. This leads to your next question.

Do I Need Flood Insurance?

According to Texas Law, if your house mortgage is under a lender who is regulated by the federal government or if your house is in a high flood-risk area then you are legally required to get flood insurance against your property. And since your home insurance does not cover this, the NFIP coverage should be taken to cater for items damaged by floods.

What Is Covered Under Flood Insurance?

A flood Insurance policy will ideally cover your house and your personal belongings.

• Personal belongings coverage primarily helps protect your personal items against damage from floods like portable appliances, furniture, window dressing, upholstery, artwork, or fridges and freezers
• Building Property coverage takes on the structural aspects of your house like the plumbing, electrical damage, foundation, or central heating damages and may also cover the cabinets and wardrobes as well as wall paneling. You can choose to have both included in your flood insurance.

Why get our flood Insurance?

Getting any form of insurance can be confusing and overwhelming; at Nest Insurance Agency, we have a team of qualified agents who will walk you through the flood policy and advise you on the coverage.

Nest Insurance Agency has offices in Lubbock and Amarillo, TX, and takes pride in working with the people of Texas for their insurance needs. Call or visit any of our offices for more detailed information on flood insurance as well as our other available coverage options. Our agents can work with you to find a policy that fits your needs. Also, try our online rating tool for quotes on home and auto insurance from home.