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Flood Insurance
About one in four flood claims come from properties outside of designated flood zones. Heavy rain, drainage issues, or unexpected storms can cause significant damage. A dedicated flood insurance policy helps cover repair and replacement costs after such events.
Windstorm and Hail Coverage
Severe storms, tornadoes, and even the remnants of tropical systems can strike North Texas with little warning. Policies include a 2% deductible for windstorm or hail losses to help protect against the financial impact of these events.
Water Backup
Water damage from a sewer or drainage backup can be extensive and expensive. Standard homeowners and flood policies typically exclude this type of loss, so an added water backup endorsement is a smart way to fill that gap.
Yes. While you can cancel at any time, some policies may apply a penalty. Going without coverage can expose you to significant financial risk.
Most policies include a set limit for jewelry losses. For high-value items, adding specialized jewelry coverage provides better protection against loss or theft.
It’s an estimate of the cost to insure your home, calculated using factors such as property value, location, construction type, and risk history.
This rule states that full coverage for damage is available only if your policy covers at least 80% of your home’s total replacement value.
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