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Flood Insurance

One of the most critical assets that you will ever own is your home. Due to this, it is always crucial that you keep your home adequately covered by insurance. Depending on where you live, this could include getting a specific flood insurance policy. For people that own a property in Texas, there are several reasons why they may need to get a flood insurance policy for their home.

Required by Mortgage Lender

One important reason why you need to get a flood insurance policy for your home is that your mortgage lender could require it. If you are located in a designated flood zone, as determined by FEMA, most mortgage lenders are going to require you to carry flood insurance. Since these FEMA maps change over time, there is always a chance that in the future, your home could be designated to be at risk of flooding, which could change your requirement to carry this insurance.

Protects Home from Flood Damage

Even if you are not required to carry a flood insurance policy, it would still be a good idea to have flood insurance if you believe that your home is at risk. If your home is affected by a flood, the damage could be very significant. Depending on your home insurance policy, you may not have any coverage for flood damage. Due to this, anyone that believes this is a risk should get coverage to protect their home.

If you are living in an area that is prone to flooding, it is imperative that you get flood insurance. For those that are in Texas and need flood insurance coverage, you should reach out to the team at Conner & Duffer Insurance. When you speak with the insurance team at Conner & Duffer Insurance, you can learn more about your flood insurance options. We can then get you into a policy that ensures your home is adequately protected and you are in mortgage loan compliance.

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