Flood Endorsement
Standard homeowners policies exclude flood damage in every state. Flood insurance is a separate policy through NFIP or private carriers like Neptune — and in Houston, almost every homeowner should have it.
The specifics.
Damage from rising surface water — bayou overflow, storm surge, heavy rainfall, and drainage backups. Building and contents are covered separately.
Real-world impact.
Over 60% of Harvey-era flood claims came from homes outside FEMA flood zones. Preferred-risk flood coverage in a low-risk Houston ZIP typically runs $400–$700/year.
Other coverages inside your home insurance policy.
Dwelling Coverage
Pays to rebuild your home after a covered loss.
Learn morePersonal Property Coverage
Covers your belongings — furniture, electronics, clothing, and more.
Learn morePersonal Liability
Protects you if someone is injured on your property or you damage others' property.
Learn moreWindstorm & Hail Coverage
Coverage for named-storm and hail damage — critical in Texas.
Learn moreLoss of Use / Additional Living Expenses
Pays for hotels, meals, and rent if your home becomes unlivable.
Learn more
Get flood endorsement added to your policy today.
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