洪水保险
What is flood insurance?
People buy flood insurance to insure the place they live, their automobile, and their personal items from damage caused by flood. Flooding is a buildup or an overflow of water that partially covers or submerges land that is usually dry. It is also the most common natural disaster in the United States.
Flood insurance covers things like:
- overflow of inland or tidal water (such as storm surge)
- run off or buildup of surface water (such as flash floods)
- mudflow (such as flowing mud on the surface of normally dry land)
Flood insurance does not cover things like:
- broken pipes
- overflow of plumbing systems
- rain coming into your home through a wall, window, or roof
Home insurance does not mean flood insurance!
Most residential property policies DO NOT cover damage caused by a flood. To protect your home from this type of loss, you need to buy flood coverage. If you live in a special flood hazard area, your mortgage company will require this type of coverage for your home. However, all Texans (even renters) should consider flood insurance.
Texas landscapes are constantly changing due to things like weather and new construction. As a result, you could be at risk for flood now, even if you were not before.
Currently, the Federal Emergency Management Agency (FEMA)’s National Flood Insurance Program (NFIP) provides most flood insurance policies. Some insurance companies offer their own flood insurance policy or offer this coverage as an endorsement attached to your residential property policy.
National Flood Insurance Program (NFIP) Policies
NFIP policies usually cover:
- up to $250,000 for your home, including things like appliances, electrical and plumbing systems, and debris removal.
- up to $100,000 for your personal items, like clothes, TVs, and furniture. These items are also called “contents” or “personal property”.
- up to $30,000 for “increased cost of compliance”, which pays for costs to comply with state and locate regulations for repair and construction of flood damaged properties.
*️⃣ For protection above these limits, you will need to buy the additional coverage elsewhere. See our Shopping Guide for more info.
以下情况不在此范围内：
- 额外生活费用（ALE）。
For a more detailed summary of coverage, visit FEMA’s website. For additional info contact the NFIP Help Center at 877-336-2627 or visit www.floodsmart.gov.
Auto Coverage
Most auto policies DO cover damage caused by a flood IF you buy comprehensive coverage (also known as “other than collision”). If you only have liability insurance, your personal auto policy will not cover flood. To learn more about auto insurance coverages, visit our Auto Basics page.
需了解的术语
Additional living expenses (ALE)– helps cover extra costs when you have to live somewhere else because your home was damaged.
索赔——向保险公司提出的、要求赔偿损失或伤害的请求。
承保范围——保险公司根据保单约定，同意赔偿的损失或伤害。
免赔额——如果您提出理赔申请，理赔款将扣除免赔额。该金额可在保单的“声明页”上查阅。
保单——您与保险公司之间签订的合同。保单明确了承保范围以及保险公司应支付的赔偿金额。
保险期间 – 您的保单提供保障的时间段。
保费——您为保险单向保险公司支付的金额。
超额险——旨在承保大多数保险公司无法或不愿承保的特殊风险的保险。