The thought of losing everything in your home, and your home itself to a flood, makes most people’s blood run cold. In order to protect your investment in real estate, you need to have flood insurance. In San Antonio, TX, Versatile Insurance Planners is an independent agency. We are locally owned and operated, and we offer products from the top carriers in the business. We provide our customers with personalized service to fit their insurance needs.
Flood insurance is available from the NFIP (National Flood Insurance Program). You can purchase it directly from the NFIP or you can purchase it through approved agents. Beyond that, other companies offer flood insurance not backed by the NFIP. Two different types of policies are offered. The first type of insurance is building insurance and the second type is content. The NFIP insurance has limits on coverage, if you need more coverage than they offer, you can go with an insurance company providing that coverage.
Building Flood Insurance Coverage
Building flood insurance covers the physical structure of your home. This includes the major systems, plumbing, heating, and electrical. It will cover your furnace, air conditioner, and water heater. Your foundation is included in this coverage and your roof. If you have a fuel tank, solar panels, or water tank, these are all covered. If you have a detached garage or deck this is also covered. Appliances like a built-in dishwasher, refrigerator, and stove are included. Flooring that is permanently attached like wall-to-wall carpet is covered as are built-in bookcases and cabinets.
Contents flood Insurance Coverage
The contents insurance coverage helps you to replace things like your clothing, electronics, and furniture. Your washer and dryer, portable dishwasher, microwave, and window air conditioning units are covered. Rugs that are not permanently attached to the floor and curtains are also included.
Contact Versatile Insurance Planners in San Antonio, TX to discuss the best flood insurance option for you.