At ACU Insurance Services in League City, TX, we can help you insure your primary residence and your vacation home as needed. For homeowners who are affected by flooding or concerned about flooding, flood insurance is a must. Additionally, some mortgage lenders require flood insurance to lend to you. When you own a vacation home, you may be extra worried about flood damage since you’re not always occupying the dwelling. We can address these concerns in the article below.

What Is Flood Insurance?

Flood insurance covers damage related to flooding. In qualifying events, you can expect most flood insurance policies to provide coverage for repairing the damage associated with these circumstances. Since regular homeowner’s insurance doesn’t cover flooding in many cases, it’s smart to have flood insurance as extra protection.

Can Flood Insurance Protect a Vacation Home?

Although every second home insurance policy is different, most home insurance policies for primary dwellings and secondary dwellings will not provide coverage for flooding. As a result, you will most likely require specialized flood insurance if you own one or more houses. For vacation properties, flood insurance can be useful. As long as you find a flood insurance policy that covers vacation homes or secondary dwellings, you can use that coverage in the event of a flood. 

Before you assume that flood insurance covers a secondary dwelling, you should speak with our insurance agents and review your options for protecting a vacation home from flood damage. Additionally, you should get coverage before you need it. Waiting until a flood happens to explore options can make it impossible to cover those expenses.

To protect all of your properties, call our team at ACU Insurance Services in League City, TX!