Flood Insurance in Texas

Do You Need Flood Insurance in Texas?

Your homeowner insurance policy does not cover damage caused by a flood. Texas requires a separate policy specifically for floods. If your home is in a flood zone, your lender typically requires you to obtain flood insurance in order to close the loan transaction. Even if you are not in a designated flood zone, a separate policy will give you added protection and peace of mind. Due to the building boom in our area, the added asphalt and concrete are replacing pastures and prairies which absorbed water caused by excessive rain.

What Is Covered Under Flood Insurance?

A flood policy can cover the structure as well as your personal property depending on the policy you decide to move forward with. Keep in mind there is a 30-day waiting period before the flood coverage kicks in (except in the case of a newly purchased home), so be prepared!

Contact Amy Tounget Insurance Agency LLC to get a quote on flood insurance.

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"Amy is amazing to work with. She is super friendly and honest. She will get quotes from several different companies and bring you the best options. I have watched her work day and night for her clients and I am super excited to be a client of hers now. She is knowledgeable in her field and has taken the time to go over my policy with me and answer all my questions. I am confident in my decision to change insurance carriers. I will definitely recommend her to anyone looking for insurance, auto or homeowners."

Tasha R.

"Amy is amazing!! She is always available to quote my clients and she always available to make changes to my personal policies as well. She is truly a great broker and always gets you the cheapest rate possible on your renewal without sacrificing your coverage. She will compare your policies to others as well to ensure you are truly protected and does it knowing she may not earn your business. Amy is great!!!! Thank you for all your help over the past few years with my personal policies as well as with my client policies."

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"My son got the best price through AMY for his new house, she was quick and helpful and best price available. So I ask to check on my House and sure enough her price was half what I was paying , so no-brainer I switched right away"

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"I absolutely love Amy! After horrible experience with All State (home owner's), Amy has restored my trust for insurance companies (even those that don't advertise)! She will strive her best to set you with the best possible policy out there."

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"I actually found Amy through a group on social media. I asked the group who they used for their car insurance. Several people mentioned Amy. I am a single mom, I work 2 jobs and my son is always playing baseball. I always have to be somewhere. I don't have much time to stop and find what I need. She reached out to me. I told her to shoot it to me straight and that is exactly what she has done. She asked me a few questions and started shopping for me right away. She got me the best deal on full coverage. She was very thorough in explaining everything to me. No games. She even offered her help if I decided to go with someone else. I'm writing this in case there are more women like me who just need someone they can trust. With all sincerity, I would highly recommend Amy."

Courtney T.