Flood Insurance

According to the statistics, it is estimated that more than a quarter-million of California residents live along the coastal regions, which are below the sea level. If the sea level projects, flooding can occur, which will consequently affect most homes. Many states including Texas and Washington have a history of flooding, which makes the people living in the inland regions at risk, as well.

If you are living in a coastal region or an area susceptible to flood damage, flood insurance should be a significant concern to you. These areas can easily get flooded by rainfall and topped levees. It won't take much water to cause havoc to your property. With flooding insurance, protection of your home and property is guaranteed.

You may ask yourself, why do I need flood insurance when I have a home insurance policy? Home insurance coverage will offer you protection against most of the common risks, but it does not include floods. For instance, if you inadvertently left a bathroom tap running and the water happens to flood your house, which eventually destroyed your property, a home insurance policy will come into play. Flood policies offer protection against overland flooding as well as a mudflow. So, to protect your house plus all the structures within your home compound, you will need a flood insurance policy.

When it comes to paying for your flood policy, there are lots of options to choose from, flood insurance is generally full-year policies, and this requires someone to pay for the entire year at once. But if you are a homeowner and you want your mortgage requirement to be inclusive of your flood insurance, coverage cost can be subdivided into manageable payments, which can be paid as part of your mortgage payments.

Wherever you are in California or Texas, be it San Francisco, San Diego, Los Angeles, or Houston, Transglobal P&C insurance agency has you covered. Contact one of our offices get in touch with any of our experienced agents. They will explain different coverage options in terms that you can easily understand so that you can make a prompt decision.

For more information on flood insurance, please contact us at TransGlobal P&C Insurance Agency.