{"id":56,"date":"2022-07-28T04:00:00","date_gmt":"2022-07-28T10:00:00","guid":{"rendered":"https:\/\/www.greatsouthernagency.com\/blog\/?p=56"},"modified":"2022-07-28T22:37:52","modified_gmt":"2022-07-29T04:37:52","slug":"does-flood-insurance-cover-total-home-replacement","status":"publish","type":"post","link":"https:\/\/www.hastingsagency.com\/blog\/does-flood-insurance-cover-total-home-replacement\/","title":{"rendered":"Does Flood Insurance Cover Total Home Replacement?"},"content":{"rendered":"<p>You must have flood insurance if your home is in a flood zone. But what does that mean? And what does it cover? Most people think flood insurance is something that covers the damage caused by water. And while that&#8217;s true, it&#8217;s not the entire story. Flood insurance also covers the cost of rebuilding your home if it&#8217;s destroyed.&nbsp;Great Southern Agency in Tomball, TX offers this guide in navigating this important insurance coverage.&nbsp;<\/p>\n<h2>Do I Need Flood Insurance?<\/h2>\n<p>The first question you need to ask is whether you&#8217;re required to have flood insurance. There are a few ways to find out. First, check your mortgage documents. If your lender says you need flood insurance, then you do. It&#8217;s that simple.<\/p>\n<p>Second, check your local flood maps. If you live in a high-risk area, you probably need flood insurance. FEMA designates these areas as having a 1% or greater chance of flooding any year.<\/p>\n<p>Your Great Southern Agency representative can help determine if you need flood insurance and how much coverage is right for you.<\/p>\n<h3>What Does Flood Insurance Cover?<\/h3>\n<p>Most people think flood insurance is something that covers the damage caused by water. And while that&#8217;s true, it&#8217;s not the entire story. Flood insurance also covers the cost of rebuilding your home if it&#8217;s destroyed.<\/p>\n<p>Flood insurance covers buildings&nbsp;and personal belongings.&nbsp;This coverage includes the structure of your home, including the foundation. Personal items can include items&nbsp;like furniture, clothing, and appliances.<\/p>\n<h3>How Much Does Flood Insurance Cost?<\/h3>\n<p>The cost of flood insurance depends on several factors, including the value of your home, location, and the amount of coverage you need.<\/p>\n<h3>Give Us A Call<\/h3>\n<p>The best way to get an accurate price for flood insurance in Tomball, TX is to speak with a Great Southern Agency representative. We&#8217;ll work with you to determine the right amount of coverage for your needs and get you the best possible price.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You must have flood insurance if your home is in a flood zone. But what does that mean? And what does it cover? Most people think flood insurance is something that covers the damage caused by water. And while that&#8217;s true, it&#8217;s not the entire story. Flood insurance also covers the cost of rebuilding your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[14,13],"class_list":["post-56","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-great-southern-agency","tag-tomball-tx"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"You must have flood insurance if your home is in a flood zone. But what does that mean? And what does it cover? Most people think flood insurance is something that covers the damage caused by water. 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