Home Insurance & Flood Insurance Require Separate Policies
It’s true: To insure your home against flooding, you need to purchase a completely separate flood insurance policy. Many homeowners are surprised to learn their home insurance policies don’t cover flooding events. Most homeowners policies simply won’t cover flood damage.
This fact puts many Texas residents—especially those living on or near Gulf Coast floodplains—in a difficult position. For theses residents, proper flood coverage isn’t optional—it’s an absolute must.