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David King Insurance Services LLC

549 E. Sandy Lake Road
Suite 100
Coppell, TX 75019

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Texas Insurance Blog

When is flood insurance needed in Texas?

There are a lot of great reasons to live in Coppell, TX and own a home. When you are going to get a property here, finding the right insurance plan for it continues to be very important. One type of coverage you may need to get is flood insurance. There are multiple scenarios when you need this coverage here. 

When Trying to Comply with Mortgage Standards

A common situation when flood insurance will be needed for your Texas home is when you want to comply with your mortgage lender’s standards. Anyone that lives in a flood zone and has taken out a mortgage will likely be required to carry flood insurance at all times. The lender will usually require that you escrow for your payments each month, ensuring there is no coverage lapse and that their collateral remains covered. 

When Trying to Protect Your Home

It would be best if you also got a flood insurance plan because it can protect your home. Anyone that is going to buy a home needs to ensure that they protect it as well as they can. The best way that people can do this is by getting proper insurance. If you are concerned about flood risk in your area, you may find that your home policy doesn’t give enough coverage to mitigate the risk. In this situation, you should get flood insurance to ensure you remain properly protected. 

A property owner in the Coppell, TX area needs to ensure that they maintain flood coverage when it is necessary. As you are shopping for protection, you should call David King Insurance Services LLC. The team with David King Insurance Services LLC understands the necessity of this coverage. They will help you build a plan that properly covers your property.

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