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Buying flood insurance may be a necessity based upon where you live in Fort Worth, Texas. If you are within a Special Flood Hazard Area, you will need to obtain flood insurance within the federal standards, at a minimum.
There are some important tips to help you buy a flood insurance policy that sufficiently protects your home and is affordable.
A flood is defined as a temporary condition and you will want to ensure that the policy covers damage from all possibilities from a flood, including an overflow of water, mudflow, as well as the collapse of land as a result of the flood.
Learn about what your homeowners insurance covers in terms of a flood. Your flood insurance should fill in what your homeowners policy doesn’t cover so you have all the protection needed if you are affected by a flood at any time in Fort Worth.
Take the time to compare policies. There are many companies who are licensed to issue policies in the state of Texas and our independent agents work with many of the top companies. This makes it easier to get quotes, compare them, and see who has not only the most affordable policy, but the best overall coverage.
Find out about what your community has experienced in the past. Especially if you have just moved to the area, it can be important to learn about past floods and claims made on insurance policies. An insurance agent can help you with this so that it does not fall entirely on you to do.
The more information you have, the easier it will be to make an educated decision on the best policy for your home.
Contact one of our independent agents at FM Insurance to learn more about flood insurance. We can answer questions, search for quotes from multiple insurance companies, and much more.