In the state of Texas, we are not unfamiliar with hurricanes. This is a phenomenon that sometimes happens multiple times in the year. So, why are we still unprepared for this part of the year? Homeowners, renters, and anyone with property need to get on board with protecting what they have.
What usually happens is after the storm has passed through, many are spending hundreds and sometimes thousands of their own dollars repairing their property. In addition, some wait for the government to assist them. But the process for that can be so long and dreadful.
It’s time to take some action and get the necessary insurance that will keep you from breaking the bank during that season.
Types of Insurance to Consider Before Hurrican Season
As hurricane season approaches, it is wise to start thinking of the insurance plans that can be helpful for any potential aftermaths. We know that this is something that many don’t like to think about because it sounds negative. While it’s great to think positively, it is also just as great to be prepared just in case.
Take a look at this list of insurance plans and policies, we know will help in the long run. If you don’t have any of these plans, call Texas Insurance Agency at 281-398-1010.
If you own any kind of property, protecting it is a smart idea.
For example, if you are a homeowner, getting homeowners insurance is a smart idea. It might not be mandatory in Texas, but if you still have a mortgage, the bank will make it mandatory. With homeowners insurance, it can pay for most physical damages to your home. Some examples of this include wind damage or if an object is hurled at your home during a storm.
In addition to this, many don’t know that if you have to move mandatorily or because you are having repairs done on your home, your home insurance may pay for that additional living expense. It’s always great to check your policy to make sure that this is possible for you.
Another type of insurance to consider is flood insurance. In Houston and in many of the surrounding communities and cities, flooding is an event that we are familiar with. During hurricane season, we also see a lot of flooding. The best way to combat this particular aspect of a hurricane is by just be prepared for when the flooding subsides. With flood insurance, you can be reimbursed for flood damage that happens to your home or property. This includes damage to your walls, electric or plumbing system, furniture, and much more.
Comprehensive Car Insurance
Lastly, protecting your car during hurricane season is something that you should always consider. Seeing damaged cars after hurricane season is normal. Then people are left to either fix their vehicle or sell and buy another one. These both cost a lot of money that you might not have at the time. Comprehensive car insurance is a plan that will take care of this. Reimbursement for a flood-damaged car with this kind of insurance is possible. Regular car insurance does not do this, so this is an option for this particular scenario.