If you live in the San Antonio, TX area, buying your own property can be a great investment. However, like any other place where you own real estate, getting the proper insurance protection is very important. Depending on where you live in this area of Texas, getting additional flood insurance on top of your home insurance policy could be a necessity. There are a variety of situations when you will need to get flood insurance to properly protect your home.
One situation when you will need to get flood insurance is when it is required by your mortgage lender. All mortgage lenders are very aware of the risks that come with flood damage. Due to this, if your home is in or near a flood zone, your lender may require that you carry this insurance at all times. To ensure that it is fully executed, most lenders will also have your escrow for the payments on a monthly basis.
Someone in Texas should also consider getting flood insurance when it is needed to protect their home. If you do not have a loan or are not otherwise required to carry this form of insurance, those that are at risk of flood damage should still consider getting the coverage. If your home insurance policy does not provide coverage for this form of damage, you will need the additional policy coverage. This way, you can afford to repair or replace your home if it is damaged by an unexpected flood.
When you do need a flood insurance policy in the San Antonio, TX area, you should call Shavano Insurance Agency, LLC. At Shavano Insurance Agency, LLC, the team of insurance professionals can help you to determine your flood risk and insurance needs. Based on this assessment, they will help you to get into a new policy that will continue to provide the right type and level of coverage for you.
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