Should I Get Flood Insurance if I Live in San Antonio, TX?

San Antonio, TX may not exactly be located on a major flood plain, but there are plenty of reasons to get flood insurance if you live in that area. For example, there are some fairly large lakes and other smaller bodies of water located close to the city and the area receives 30.66" of rain annually. That’s nothing to ignore!

Some residents say the actual rain totals in the San Antonio area average closer to 40 inches per year. 

Why Get Flood Insurance if I Have House Insurance

Some people decide that having house insurance is enough. They think that because their house insurance plan covers floods, why carry extra insurance for floods? The answer is easy: it’s not enough.

House insurance is important and covers all sorts of problems that can occur for your home. Some of the most common ones are listed below: 

  • Flood
  • Fire
  • Tornado or storms, hail damage
  • Theft or vandalism
  • Other acts of "God"

Unfortunately, the normal level of flood insurance included in a house insurance plan only covers a basic flood. Some only cover damages up to around $10,000. But a major flood that inundates homes and various other areas can damage structures so severely that it can cost $3,500 or more for just a few feet of damages!

Think about how housing insurance alone would fall short if your entire home was damaged and had to be rebuilt.

Your friends at LeapFrog Insurance cover the San Antonio, TX area and they urge people to look into adding specific flood insurance for that extra bit of protection when things get rougher than you expect. Because they usually do!

You can contact the professionals at LeapFrog Insurance anytime to discuss flood insurance or any other types of coverage you need.