city of london insurance

city of london insurance
Texas is a state with a high level of risk for flooding. FEMA has produced a guide for flood preparation and safety. It starts by saying that" The first step in protecting your home and family is purchasing flood insurance. " This seems obvious but people may neglect this coverage or put it off for later. In most cases there is a 30 day waiting period for coverage to begin so do not wait for a pending disaster.

The cheapest place to flood insurance is usually provided by the National Flood Insurance Program (NFIP). This is backed by the federal government and the cost is usually quite low. Here are a few examples of the Texas flood insurance costs if the conditions for the preferred contact:

* $ 50,000 coverage for your home and $ 20,000 for the contents of $ 196 per year
* $ 100,000 coverage for your home and $ 40,000 for the contents of $ 257 per year
* $ 200,000 coverage for your home and $ 80,000 for the contents of $ 326 per year

Here are some tips that refer to a flood and safe in a flood. You can get more information at www.floodsmart.gov.

* Copy important documents and stores them in a safe place
* Save receipts for expensive household items to make your claim if you have a loss
* Take photographs or videos of your valuable property to help document a loss if you have a
* Check with a good insurance broker to be sure you have the right coverage
* Keep emergency supplies on hand with things like flashlights, batteries, candles, matches, medicines, first aid kit, extra gasoline, and possibly a generator.
* Keep at least a few days supply of non-perishable food and bottled water.
* Pay attention to official instructions if there is a flood.
* If you live in one area would mean the evacuation for a hurricane, a Plann for a place to go.
* Do not walk or drive through flooded areas.
* Keep away from downed powerlines.

Remember, supplies are hard to get, when a hurricane is approaching. This is one reason why you should be in advance. For example, if you want the windows with plywood for a hurricane, the wood and screws in advance and store it in your garage.

Texas residents can download a flood insurance quote or more information from my Houston Flood Insurance website.

Lamb Insurance Agency, (Farmers, Foremost, Voyager, and Pacific Insurance) Auto, Home, Mobile Home, Life, and Business Insurance for Texas - Houston Farmers Insurance