Building Property

- Insured building and is foundation

- Electrical and plumbing systems

- Central air conditioning equipment, furnaces and water heaters

- Refrigerators, cooking stoves and built-in appliances such as dishwashers
- Permanently installed carpeting over unfinished flooring
- Permanently installed paneling, wallboard, bookcases and cabinets
- Window blinds
- Detached garages (up to 10 percent of building property coverage); detached buildings (other than garages) require a separate building property policy
- Debris removal

flood insurance

Call now for a free quote:281-645-4723

What's not Covered

- Damage caused by moisture, mildew or mold that could have been avoided by the property owner 
- Currency, precious metals and valuable papers such as stock certificates
- Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs and swimming pools
- Living expenses such as temporary housing
- Financial losses caused by business interruption or loss of use of insured property
- Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy)

WHAT'S COVERED

Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk. In a moderate- to low-risk areas you may be able to obtain policies for as little as $129 per year. Go to the end of the page to see an estimate of how much it could cost you in case of a flood.

All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.

Hablamos Español

AKG Insurance Agency

Personal Content

- Personal belongings, such as clothing, furniture and electronic equipment

- Curtains

- Portable and window air conditioners

- Portable microwave ovens and portable dishwashers

- Carpets that are not included in building coverage

- Clothing washers and dryers

- Food freezers and the food in them

- Certain valuable items such as original artwork and furs (up to $2,500)