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549 E. Sandy Lake Road
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Coppell, TX 75019

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Texas Insurance Blog

Who should have flood insurance?

Flood insurance is a very specific type of insurance coverage. With the effects of weather changes that have been happening all over the world, people who would never have thought about flood insurance are giving it some serious thought. At David King Insurance Services LLC in Coppell, TX, we are here to provide the information you may need when making an important insurance decision. As an independent insurance agency, we work for our customers, not for an insurance company, and provide customers with more choices.  

If you live in what is considered to be a flood plain, and you have a mortgage, you may not have a choice about whether you should carry flood insurance. Your lender will demand that you have it, which makes sense since they lent you the money to purchase the home. Flooding causes an incredible amount of damage and even one inch in your home can be catastrophic. 

Flood insurance is offered through the National Flood Insurance Program, which is administered by FEMA. It is sold through private insurance carriers. Not every carrier sells flood insurance, so you need to check with your insurance agent. In order to be eligible to purchase flood insurance, your community must be an NFIP participant. 

Flood insurance is sold in two parts; building and personal property. Both of them have limits and if you need more coverage than the NFIP program offers, there are private insurance options that might be a better fit for you. Building coverage covers the walls, roof, major systems, and things that are permanently attached to the building. Personal property includes electronics, clothing, furniture, decor, and appliances that are not built-in. 

Contact David King Insurance Services LLC in Coppell, TX with questions you may have about flood insurance. You can talk to us on the phone or in person at the office. 

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