For many, flood insurance is required if groundwater rises and floods their home—a condition that isn’t usually covered by most homeowner policies.
Texas Flood Insurance’s insurers are a diverse group of industry leaders including multiple A-rated, Admitted carriers. By working together, we are able to provide you the best solution, coverage and premium for your flood insurance needs.
Private Carrier Options
Up until recently, it was up to the mortgage lender to decide what type of flood insurance was needed (usually through the NFIP) for your home – even though private carriers were able to provide alternate or better flood insurance coverages and quotes. Now – you have that choice.
Since private carrier flood insurance policies are market-based, they can possibly be more competitive in price than those offered through the NFIP (depending on the coverage you need and the zone your home/property is in). At Texas Flood Insurance, we understand the importance of having the right protection from floods that are associated with hurricanes, rising rivers, heavy rains and other conditions that impact that state of Texas. We also understand the importance of having more than one option – which is what we strive to provide you.
A few of our Private Carriers include:
- Ace
- Hiscox
- NFS Edge
- Lloyd’s of London
National Flood Insurance Program (NFIP)
The Federal Emergency Management Agency (FEMA) (a government backed program) administers the National Flood Insurance Program (NFIP). The NFIP works closely with many insurance companies and MGAs, such as Texas Flood Insurance, to offer flood insurance to homeowners, renters, and business owners.
Texas Flood Insurance provides extensive knowledge of both flood insurance and current National Flood Insurance Program (NFIP) legislation. Our dedicated agents are happy to assist you with all of your flood insurance needs, including addressing any questions or concerns. As direct representatives of FEMA, Texas Flood Insurance can process all flood insurance policies through the NFIP.