Flood Insurance in Cleburne, TX
Flooding can cause extensive damage in hours, and standard homeowners or renters insurance policies typically don’t include it. Flood insurance is a separate policy designed to help with the financial burden of repairing property and replacing belongings after water damage caused by rising water, storm surge or heavy rainfall.
Who Needs Flood Insurance? 
Floods are not limited to coastal areas or high-risk flood zones. Heavy rains, melting snow and poor drainage can create water damage almost anywhere. Property owners, renters and businesses alike may find value in having a flood policy, especially when the cost of recovery could far exceed personal savings.
What It Covers
Although policies differ, flood insurance often includes the following coverage options:
- Building coverage may assist with repairing or rebuilding foundations, walls and systems like electrical and plumbing.
- Personal property coverage may help replace belongings such as furniture, appliances, electronics and clothing.
- Cleanup expenses may help with debris removal and sanitation after a flood.
- Additional living expenses, which some policies may include to help with temporary housing if your property becomes uninhabitable.
Cost & Availability
The cost of flood insurance depends on factors such as your property’s location, elevation and the amount of coverage you select. Policies may be offered through the National Flood Insurance Program (NFIP) or private insurers. Many require a waiting period before coverage begins, so it’s important to purchase a policy before flood season or expected storms.
Request a Quote Today
Flood insurance offers a way to prepare for one of the most common and expensive natural disasters. At My Insurance Store, we can explain available options and help you choose coverage that fits your needs. Contact us today to request a flood insurance quote.