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If you’re a homeowner in San Antonio, TX, you may wonder whether your home insurance protects against floods. The answer is maybe. Standard home insurance policies rarely cover flood damage. The water source usually determines whether your home insurance will cover the damage. Here’s what you need to know:
Homeowners Insurance and Floods
If a flood damages your home, your homeowner’s insurance will probably not cover the damage. That’s because most standard homeowner’s insurance policies exclude flood damage. However, if the source of the flooding is something other than water from outside your home, such as a broken pipe, your homeowner’s insurance may cover the damage.
What is a Flood?
A flood is a rise in water level that inundates usually dry land. Heavy rains, melting snow, hurricanes, and severe storms can cause flooding. When these events happen, the water can rise quickly and cause damage to your home.
What Does Homeowners Insurance Cover?
Homeowner’s insurance covers damage to your home and personal belongings from certain events, such as fire, theft, windstorms, and hail. Most policies also cover liability if someone is injured on your property.
Your LeapFrog Insurance agent can help you understand your policy and whether you need additional flood insurance.
How Do I Protect My Home From Flooding?
If you live in an area prone to flooding, purchase flood insurance. You can also purchase flood insurance even if you don’t live in a high-risk area. It protects your home and belongings from water damage caused by floods.
Do you have questions about your home insurance or flood insurance? We’re here to help you. Contact LeapFrog Insurance today.
