Metro: 1-713-641-1234
Baytown: 1-281-427-6511
Deer Park1-281-479-5248
Harris County Insurance
Offices in Houston, Baytown, and Pasadena Texas.
AGENCY LICENSE # 3664
Copyright @ 2007 Harris County Insurance Center - All Rights Reserved
Note: As stated in our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing.
Floods in Texas can happen anytime or any where. Even in the same place twice. Texas Floods are the leading natural cause of property damage. Four times more Texas homes are destroyed by flood than by fire, causing over $2 billion in property damage every year.
You don't have to live by the Texas Gulf Coast to be at risk. Approximately 30% of all Texas flood claims occur in low to moderate risk areas. Texas homeowner insurance does not cover flood damage, but Federal Flood Insurance does. Flood insurance also covers mudflow, dirt and debris resulting from moving water.
Texas homeowners with mortgaged property in a Special Flood Hazard Area (SFHA) are now required by federal law to obtain flood insurance. Lenders must comply by requiring flood insurance on the outstanding mortgage balance for the life of the loan.
Fortunately, Flood Insurance is affordable, though, flood damage is not. The average loss of property and contents from the 1993 Midwest flood was more than $25,000. Compare this to the average annual flood premium of about $300 per year.
Your coverage is based on your home's value, minus your land value. Flood Insurance up to $250,000 is available for residential buildings and also the option of up to $100,000 for contents. Since flood policies are backed by the US government, all valid claims are 100% guaranteed.
There is a 30 day waiting period for flood insurance, so the best way to protect your home is to act now, before the flood comes! Remember, just because you experience a flood disaster, that doesn't mean you have to experience financial ruin.
If you should have any questions regarding Flood Insurance, or we can assist you with a quote, please feel free to contact our office.
Companies we represent
We will use every resource to secure the proper coverage at the most competitive prices available. Rest assured that we only represent companies we feel offer top notch service and claims handling
Click the above button to request a bundled quote for your Home and Auto Insurance and start saving.
Just Renting? It's still important to cover your property and most discounts still apply. Click above button for Renters Quote.
You can realize substantial savings by insuring your home and auto together.
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Contact us to review the best type of policy coverages for your needs. Our agents are knowledgeable and experienced and are here to serve you. We want to earn your trust.
About Flood Insurance
We shop many insurance carriers to ensure you get the best price and coverage for your needs.
Click below button to submit your Flood Insurance quote request.