Does Your Texas Residence Need Flood Insurance?

flood insurance for coast areasLeague City has two flood plains, the 100 year and the 500 year.  Even if your home is located in the 500 year flood plain, acts of nature are unstoppable.

In April of 2009 heavy rains caused flooding in areas of League City that were located in the 500 year flood plain.  Heavy downpours, stopped up rainwater drainage systems or tidal surges can all contribute to rising water.

Read more

Homeowners Insurance Can Have Special Challenges

Solve homeowner problems with an agent who creates solutionsHome Insurance in places such as Kemah, Tx can be challenging because of the specialized risk that comes with living in this beautiful coastal community.   Most Home Insurance policies will NOT cover you for Windstorm, Hurricane, Hail or Flood which are all needed coverages in this bayside area.

Be sure you are working with a local agent who is familiar with the area and has the knowledge to navigate and simplify the policies you need for Kemah.

Read more

Windstorm, Hurricane and Hail Insurance in Galveston Co.

coastal areas need windstorm and hurricane protectionWindstorm, Hurricane and Hail are excluded from most homeowner’s insurance policies in Galveston County.

Windstorm coverage is obtained by a separate policy that covers only these perils.  It’s very important to work with an agent that understands the specialized nature of coastal areas and can provide solutions to these risks.   Major carriers exclude Windstorm Hurricane and Hail in our area because the chance of loss or catastrophe is imminent.

Read more