When it comes to protecting your home in Texas, standard home insurance is essential—but it's not complete protection. One of the most common misconceptions among Texas homeowners is that their standard home insurance policy covers flood damage. It doesn't.
What Home Insurance Typically Covers
Standard home insurance policies in Texas typically cover:
- Damage from fire and smoke
- Wind and hail damage
- Lightning strikes
- Theft and vandalism
- Water damage from burst pipes
What Home Insurance Does NOT Cover
Standard policies specifically exclude:
- Flooding from external sources (rising water from rivers, lakes, or storm surge)
- Ground water seepage
- Water that enters through foundation cracks
- Hurricane storm surge
Why Texas Homeowners Are at Risk
Texas has experienced devastating floods in recent years. From Hurricane Harvey in Houston to flash floods across the state, thousands of homeowners have learned the hard way that standard insurance doesn't cover flood damage.
Even if you don't live in a high-risk flood zone, up to 20% of flood insurance claims come from areas outside high-risk zones. Your home is at risk whether you're near water or not.
What is Flood Insurance?
Flood insurance is a separate policy specifically designed to cover damage caused by flooding. In Texas, you can purchase flood insurance through the National Flood Insurance Program (NFIP) or through private insurers.
Flood insurance typically covers:
- Damage to your home's structure
- Damage to electrical and plumbing systems
- Furnace, water heater, and air conditioning units
- Personal belongings (with separate coverage)
- Debris removal
How to Get Flood Insurance in Texas
At MUGA Insurance Services, we can help you find the right flood insurance coverage for your home. Contact us today for a free consultation.