Texas Independent Insurance serves the Allen, TX community, and the surrounding areas by offering multiple types of insurance policies. We are focused on providing excellent customer service to our clients and finding the insurance policies they need to protect what matters most. We proudly serve as an independent insurance agency.

Flood Insurance Variables To Consider

Texas is known for having severe weather during different seasons. Natural disasters are common, and they have the potential to cause lots of flood damage. As an Allen, TX resident, it’s important that you consider the benefits of flood insurance. The policy covers your property and your personal items if they are damaged due to flooding. The policy also covers any damages caused by mudflow and debris as a result of flooding. While you are researching different flood insurance policies, think about some of these important variables.

Flood insurance covers your utilities if they are damaged. However, you may consider moving your machinery and utilities to a nearby closet to prevent them from being damaged. Also, be aware that if you make any renovations to your home, you will have to amend your policy to protect those items if damaged because of a flood. You will also have to amend your policy if you have any luxury items in your home, such as rare paintings or fur.

You may need different coverage based on the type of home that you have. If you don’t have a basement or crawlspaces, you may need different coverage than a traditional policy. The policy may also differ based on the number of floods that your home has.