Flood Insurance in Tom Reyes Insurance Agency
Flooding can happen anywhere. At Tom Reyes Insurance Agency, we understand how unpredictable weather can put your home or rental property at risk. That’s why our team is committed to helping our clients in San Antonio, TX understand the value of flood insurance and how it can provide essential coverage.
Why Does Flood Insurance Matter?
Many property owners may be surprised to learn that standard homeowners and commercial property insurance policies typically do not cover flood damage. Even properties outside of high-risk flood zones can experience flooding, making coverage an important consideration for everyone. Having a dedicated flood insurance policy is crucial for safeguarding your finances.
What Does a Policy Cover?
Standard policies can offer the following:
- Building coverage can cover the physical structure of your property, including the foundation, electrical and plumbing systems.
- Contents coverage can cover personal belongings, furniture, electronics, and inventory inside your property.
Our team can help you understand the differences between National Flood Insurance Program (NFIP) policies and private flood insurance options, enabling you to choose the right fit for your needs.
Who Needs Flood Insurance?
Flood insurance is often recommended for:
- Homeowners in high-, moderate- and even low-risk flood zones
- Renters who want to financially protect their personal property
- Business owners seeking to minimize financial disruption after a flood
Mortgage lenders may require flood insurance for properties in designated flood zones, but we encourage all property owners in San Antonio, TX to consider their risk, regardless of formal mandates.
How Tom Reyes Insurance Agency Can Help
We’ll review your property’s flood risk, explain available coverage options, and help you secure a policy that fits your budget and needs. Contact us today to request a quote.