Floods have been known to cause significant damage in the US, and one of the states that are affected by major flooding is Texas. And while this is a situation that a homeowner cannot prevent, you can get flood insurance to minimize the financial loss you might experience in such cases. Most people assume that renters insurance and home insurance cover floods, which is not true. Without insurance, you would cover repair costs by yourself, which costs you money and time. However, to make it easy for you, ACU Insurance Services serving League City, TX takes you through what is covered by flood insurance.

The Building

Building property coverage helps protect the actual structure of your home plus the foundation and other structures. This can include the stairs, a built-in bookshelf, and kitchen cabinets. In addition, appliances like washing machines, heat pumps, dishwashers, water heaters, air conditioning, plumbing, and electrical systems are also covered.  

Personal Contents

With personal content coverage, your personal property will be covered when affected by floods. Some of these items include small kitchen electronics, décor, dryers, toys, shoes, and clothing. Personal valuables such as art pieces are also covered in personal content coverage if the policy allows. However, note that flooding exclusions might take effect when contents are stored in the basement, as most flood policies do not protect content in this area.

Other Coverage

There are events covered by flood insurance, yet they are not precisely floods. For instance, mudflow and groundwater seepage that causes damage to various homes can be covered here.

Living in areas prone to flooding can be stressful if you do not have flood insurance, as you are constantly worried when you hear a storm is approaching. Here at ACU Insurance Services, serving residents of League City, TX want to ensure you enjoy peace of mind. Call us today and we will help you with purchasing flood insurance to protect your home and its contents.