To make the best insurance choices, you need accurate insurance information. At ACU Insurance Services, serving League City, TX, and the surrounding areas, we aim to help clients understand the difference between insurance facts and myths. Let’s look at a few myths surrounding flood insurance. 

Myth- Flood Insurance Is Included In All Homeowner’s Policies

This is not the case. Most homeowners’ policies do not cover naturally occurring flooding. Most policies will cover interior flooding resulting from plumbing problems or appliance issues. This is a very different type of flooding from naturally occurring flooding, which takes place outside the home and is often the result of a weather event. 

Myth- Everyone Needs Flood Insurance

This is also not true. Many homeowners live in areas with such a minimal risk of flooding that it is not even recommended to carry flood insurance. However, the only way to determine if you fall into this category is to sit down with an insurance expert who can discuss your actual flood risk for your area. These professionals will have detailed and up-to-date data concerning flood risks for different properties. 

Myth- Renters Arent’ Eligible For Flood Insurance 

This is untrue. Renters can and should purchase flood insurance to protect their personal belongings housed in a rental property. This is especially true if you rent in an area with a high flood risk. 

To learn more about flood insurance, please get in touch with us at ACU Insurance Services, serving League City, TX, and the surrounding areas. We will be happy to answer your questions today. 

Does League City, TX flood? 

League City, TX is located on the sunny Gulf Coast, where citizens can enjoy boating, beach days, and more. However, like many coastal cities, League City is prone to flooding. Hurricane-related floods pose severe risks to properties along the coastline.

Storms like Hurricane Harvey, which devastated Galveston County in 2017, are an unfortunate but unavoidable risk of living close to the Gulf’s warm waters. 

How can League City residents protect their homes from flooding?

While nobody can control the weather, residents can take steps to protect their homes.

• Make copies of any critical documents in your home, including your deed, and keep them in a “go bag” to be prepared for an evacuation.
• Seal all basements, windows, and doors during the dry season against water. 
• Water can enter your home through broken windows. Use precut, heavy plywood to cover windows before the storm strikes.
• Sandbags can help stop several feet of water. If you have time before a storm, lay sandbags to keep water away from entryways. 
• When evacuating, turn off all water, gas, and electricity to your home at the main switch. This reduces your risk of electrical fires and gas leaks. 
• Invest in flood insurance from a reliable firm, like ACU Insurance Services. Our policies can help protect your investment should flood damage occur. 

While the steps above can help you protect your property, listening to government-issued warnings is essential. Follow evacuation orders when severe weather strikes. 

Can flood insurance help protect homeowners? 

Flood insurance is the best way to cover your investment when facing unpredictable weather conditions. While some areas may not be eligible, League City has made strides toward making flood insurance more accessible to homeowners. Starting April 1, 2021, homeowners may qualify for specific savings if they live in a Special Flood Hazard Area (SFHA).

Preparing for floods can be stressful, but protecting your property doesn’t have to be. At ACU Insurance Services, our League City, TX agents can help. We understand local ordinances and can explore your options for protection. Reach out to ACU Insurance Services today to learn more.

A flood can cause extensive and costly damage, and that can happen at a surprisingly fast rate. Floods can damage buildings and everything in them. Any water damage can quickly lead to mold developing, which harms buildings, belongings, and people’s health. Thankfully, there is flood insurance through companies such as ACU Insurance Services. That type of insurance can cover some of the damage from floods. Here is why you need flood insurance.

Separate from Homeowners’ Insurance

A standard homeowners’ insurance policy does not include flood insurance. Thus, it would help if you had a separate flood insurance policy.

Unpredictable Nature of Floods

Floods can happen suddenly and unpredictably. There is often no warning that they will happen. Thus it is essential to be prepared ahead of time, including having flood insurance well before floods hit.

Local Risk of Floods

There is a high risk of floods throughout much of Texas and the surrounding region. That region includes the entire Houston area and League City, TX. Hurricanes, tropical storms, and other storms bring heavy rain and flooding.

Quicker and More Complete Recovery

Having flood insurance means you can recover more quickly and completely after a flood strikes. This is another reason why you need flood insurance.

Required Insurance for Some

Homes and businesses in some areas whose mortgages are through certain companies may require flood insurance. If you are in that category, then you should look into getting flood insurance as quickly as possible.

You probably now see why flood insurance is so important. In addition to the coverage it provides, it also offers much-needed peace of mind. Please get in touch with ACU Insurance Services serving League City, TX for more information about your individual flood insurance needs.

Flooding is one of the most common natural disasters in the United States. According to the National Flood Insurance Program, floods occur in all 50 states and can cause billions of dollars in damage each year. Unfortunately, some of this damage occurs in homes that are not insured against floods. ACU Insurance Services in League City, TX provides this guide in navigating this important coverage.

Does Homeowners Insurance Cover Flooding?

While homeowners insurance policies typically cover wind damage and hail damage, they often exclude flooding. This means that if a flood damages your home, you will likely have to pay for the repairs out of your own pocket. But before looking at flood insurance, it’s important to understand what home insurance covers.

Home insurance, also known as hazard insurance, is a type of property insurance that protects your home from damage caused by fires, storms, and hail. It also covers damage caused by vandalism and theft. Home insurance policies typically have two parts: coverage for the structure of your home and coverage for your personal belongings. It also protects you from liability if someone is injured on your property.

For most people, home insurance is a necessity. But if you live in a high-risk area for floods, you may want to consider purchasing flood insurance. Flood insurance is a type of property insurance that covers your home and belongings from damage caused by floods. It is important to note that flood insurance is not typically included in homeowners insurance policies.

However, some insurers offer flood insurance as an add-on to their homeowners’ insurance policies. This means that you will have to pay an additional premium to add flood coverage to your policy. But did you know that it’s not only people who live in high-risk areas for floods who need flood insurance? Floods can occur anywhere, and even a small amount of water can cause significant damage to your home.

Contact Us Today

As you can see, home insurance is a vital part of owning a home. If you live in an area that is susceptible to flooding, be sure to purchase flood insurance to protect your investment. ACU Insurance Services offers home insurance policies for homes in League City, TX and the surrounding area. Give us a call today to learn more about our coverage options.

At ACU Insurance Services, serving League City, TX, we want you to fully protect your business and your home so you protect your financial investment. Just as you don’t automatically get flood protection in your home insurance, your business doesn’t automatically come with flood protection in your commercial insurance policy.

You can purchase flood insurance for your business, though, just as you can for your home. You get the same options:

• Contents only
• Structure only
• Contents and structure

Which do you need?

You only need content coverage if you lease your office or commercial space. This type of policy protects your business equipment, stock, and any employee’s personal property.

If you own the building, whether you and your business occupy it or lease out its space to other companies, you need structure insurance coverage. This type of flood policy insures the building against damage.

If you own your building and occupy it with your own business, purchasing a contents and structure policy provides the best solution. With this option, you protect both the physical structure of your business’s building and the equipment and stock inside it.

Essentially, you can think of a contents-only policy as the renter’s insurance of flood policies. Whether you purchased a full building or just an apartment, condo, or floor, you’d purchase a structure or contents and structure policy.

Contact ACU Insurance Services today to learn more about protecting your League City, TX business with flood insurance. Let us help you add flood coverage to your existing commercial insurance coverage. Call us today.

Your business is your livelihood, so you want to make certain that you have all of the right insurance policies in place to provide you with coverage if a disaster ever strikes. There are many different types of risks that you face when you own any type of business. One type of risk that is often overlooked by business owners in League City, TX is flood insurance.

You are hearing about flooding more and more often on the news these days. Many times, a flood strikes with little to no notice. Depending on the location of your business, it may be essential to include flood insurance in your commercial insurance policy. The agents at ACU Insurance Services are happy to talk to you about the options that are available and whether or not you should include flood insurance coverage in your business policy.

What Does Flood Insurance Cover?

In general, flood insurance is designed to cover damage to both your building as well as its contents that is caused directly by natural flooding. This includes water that comes from a variety of causes, such as:

• Broken dams
• Blocked storm drains
• Melting snow
• Storm surge
• Rain
• Overflowing streams or rivers

To be considered a flood, the waters must cover a minimum of two acres or flood at least two different properties.

Coverage for your building will most likely include replacing or repairing things like damaged water heaters, electric systems, or air conditioning. The contents on the inside that may need replacing can include things like merchandise, inventory, and machinery, depending on the type of business that you do.

If you are in the League City, TX area and you would like to find out more about flood insurance for your business, please contact ACU Insurance Services today. Our agents are standing by to answer your questions.

One of the purposes of insurance is to offer protection against catastrophes, including floods. However, there are a lot of myths circulating concerning flood insurance. ACU Insurance Services offers flood insurance for people residing in League City, TX. Floods are a common disaster and even if you don’t live in a high-risk area, getting flood insurance is highly advisable.

Here are some of the most common myths about flood insurance

Only People Living in Flood Risk Areas Should Get Flood Insurance

Some people have been misled to believe that only people in very high flood risk areas should get flood insurance. That should not be the case. You should take this insurance even if your area is low or moderate flood risk.

Flood Insurance Is Included in Homeowners’ Insurance

Some people assume that with their homeowner’s insurance, their home is covered against floods. This is not always the case. Many insurance providers consider floods a gradual event rather than a sudden one and don’t compensate you in case of floods occur.

You Can Only Get Flood Insurance If You Are a Homeowner

You don’t have to own a home to get flood insurance; renters also get these covers to protect their possessions in case of a flood.

You Should Wait for The Rain Season to Buy Flood Insurance

You don’t have to wait until the rains come to get flood insurance. One of the reasons for this is that you’ll have to wait for some days after taking flood cover for it to become effective. If there is flooding during this period, the insurance won’t be of any help.

Preparation is key in dealing with potential damages from floods. It’s crucial to understand that floods can occur anywhere, and the only way you can protect your property is by getting flood insurance. ACU Insurance Services serving League City, TX offers flood insurance. Call us to learn more about our plans.

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.

Floods are one of the most prevalent natural calamities and can cause unspeakable property damage. Even though your house is located in a low flood-risk area, you aren’t 100 percent safe. Statistics show that about 25% of all flood insurance claims in Texas are from residents residing in low to moderate risk areas!

 Are you concerned that your household may not be protected against floods in League City, TX? Contact our agents at ACU Insurance Services offices, who will assist you in landing an outstanding insurance coverage matching your needs and budget.

Is flood insurance mandatory in Texas?

Texas doesn’t require homeowners to carry flood insurance. However, if your property is located in a high-risk flood zone, you might need to procure coverage as a condition of your outstanding mortgage. Since typical home insurance doesn’t cover flood-related damages, all Texans should safeguard their homes with a separate flood insurance coverage.

Flood insurance coverage options 

There are two types of flood insurance coverages. They include: 

Building property coverage

This coverage protects the dwelling itself. It covers the physical structure and its:

• Furnace and central air conditioning
• Plumbing and electric systems.
• Built-in appliances like refrigerators and dishwashers
• Permanently installed carpeting, paneling, cabinets, bookcases, and wallboard
• Foundation
• Detached garage

Personal property coverage

It covers personal belongings (contents) in the building, including: 

• Portable appliances
• Clothing
• Furniture
• Electronics
• Curtains
• Freezers and foods inside them

Ultimately, whether flood insurance is mandatory or not, you need to purchase coverage since no one is entirely safe from flood damage. 

Buy flood insurance today!

Are you familiar with flood insurance coverage in League City, TX? It’s prudent to check your policy wording carefully before purchasing your policy and ensure you comprehend what flood insurance covers. If you need more information, please connect with ACU Insurance Services today for assistance.

Flood insurance is a necessity for some homeowners, but what should you be aware of when buying it? Even if your house isn’t in an area that’s usually prone to flooding; there are still risks. Flooding can happen anywhere at any time, which is why it’s best to be prepared by purchasing flood insurance. Here are three things you should be aware of before you buy flood insurance:

You’ll need to know your home’s elevation and how close you are to any water source 

The elevation of your house will help determine your chances of flooding. If it is very low, then the chances for flooding are high. The proximity of your home to nearby lakes or rivers can put your house in flood zones which you should be aware of.

It can be a lifesaver in the event of an unexpected flood 

The act of flooding can be surprisingly common even though we don’t often hear about them–in fact, floods happen every year on average but most go unreported or unnoticed. With good preparation beforehand combined with a solid flood insurance plan you can protect your home and loved ones when disaster strikes.

The cost of flood insurance will vary depending on where you live

The cost of flood insurance can vary depending on where you live, so do your research before purchasing coverage for your home. Some factors to consider are the number of days a year that typically see flooding in the area and what type of construction is used near or around the property. The best way to find out how expensive it will be will depend on asking the right agent who specializes in this kind of coverage. If you are interested in getting help with flood insurance in League City, TX, contact ACU Insurance Services today.