August is National Eye Exam Month, Make Sure You Have Insurance!
August 14, 2019
Get Peace of Mind by Finding the Perfect Boat Insurance Policy in McAllen
July 22, 2019
Our Insurance Agency in McAllen Wants for You to Practice Fourth of July Safety
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Renters Insurance: Sleep Easier at Night with One of These Policies
June 20, 2019
Hurricane Season 2019: Expected to be a Near-Normal Season, but Still be Cautious and Prepare
June 6, 2019
Motorcycle Riding: A Few Important Facts and Statistics You Should Know
May 14, 2019
Distracted Driving: What it is and Why Shepard Walton King Cares
April 25, 2019
Flood Insurance: Don’t Overlook This Important Coverage in Texas!
March 29, 2019
Get Ready to Ride Your Motorcycle with the Safety of an Insurance Policy!
March 8, 2019
Protecting Your Farm or Ranch with an Agricultural Insurance Policy from Shepard Walton King
January 29, 2019
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What You Should Know about Flood Insurance
Things seem to be pretty dry in our area, so floods are way out of the question, right? Not exactly. The truth is floods are the most common natural disaster to occur, not to mention they have the most costly financial impact on the nation. A flood can potentially destroy your home and all of its contents in a matter of minutes but know that protection against this natural disaster is available. Protecting your home with flood insurance is a must and here is some important information you should always keep in mind.
Not Mandatory but Always Recommended
Flood insurance is often required for homeowners in high-risk areas but this doesn’t mean other homeowners should immediately dismiss it. Natural events such as heavy rains, hurricanes and tropical storms highly increase the possibility of floods, which put many homeowners in our area at risk. Don’t leave anything to chance and seek the protection that only flood insurance can provide.
The Way to Fast Recovery
Contrary to popular belief, federal assistance is not always present after a flooding disaster. Less than half of the floods that happen will receive disaster assistance from the government and this assistance will often come in the form of low-interest loans that must be paid back with interest. With a flood insurance policy, you and your family can receive immediate help, giving you the opportunity to move on after such a catastrophic event.
You may be thinking flood insurance will make a huge dent in your pocket, but the average amount to pay for a premium is roughly $500 per year. Factors such as flood zones, home construction date, flood claim history, and property elevation will often determine what your flood insurance rate will be.
Your Belongings Can be Protected
Some people may decide to protect their homes but not its contents. Know that you have a choice. If you value your personal belongings and know that you’ll want help replacing them in the event of a flood, content protection is strongly advised.
Here to Protect
The effects of a flood can leave you and your family feeling hopeless, but you don’t have to let this happen. Contact our professional insurance group today and begin a life of thorough protection against floods.