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Flood Insurance in Cleburne

Floods are common natural disasters that may cause significant property damage and costly financial losses. Heavy rain, overflowing bodies of water and damaged infrastructure could all cause floods and even an inch of water in your home could cause extensive fiscal consequences. Additionally, many homeowners may not be aware that floods are generally not included in standard home insurance policies. Given these conditions, addressing further coverage needs with flood insurance is critical. 

What Flood Insurance Covers 

Flood insurance is typically composed of the following two components: 

  • Building coverage can help pay to repair your home if a flood damages its structural elements, including its foundations, plumbing and electrical systems, walls and attached fixtures (e.g., bookcases, cabinets and paneling). 
  • Contents coverage can provide financial assistance if floodwater damages or destroys the contents of your home, including clothing, furniture, electronics, curtains and some portable appliances. 

How Much Is Flood Insurance? 

Like many types of insurance, the cost of adequate coverage for floods may vary significantly depending on your unique circumstances. When assessing your risk levels and quoting you a rate for appropriate coverage, the following factors may be considered: 

  • Structural details (e.g., age, building materials and construction methods) 
  • Location 
  • Topography (e.g., elevation and grading on your property) 
  • Historical flood risk in your area 
  • Coverage limits 
  • Deductible 

We’re Here to Help 

At My Insurance Store, our knowledgeable team is more than capable of helping you understand and address your flood insurance needs. We will work with you to analyze your circumstances, identify appropriate options and secure optimal coverage. Contact us today to get started.