PRIVATE FLOOD INSURANCE

Private Flood Insurance in Pearland, Galveston, Houston, League City, Pasadena, Friendswood, TX, and Surrounding Areas

Flooding can occur unexpectedly, regardless of the season. Whether triggered by severe weather, mudslides, or a burst pipe, floods represent a significant risk to homeowners. It’s important to note that many standard home insurance policies do not include private flood insurance coverage. In the event that your property is impacted by flooding, it’s crucial to know your options.

At Rick Tinker Insurance, we provide private flood insurance to Friendswood, TX, Pearland, Galveston, Houston, League City, Pasadena, TX, and the surrounding areas.

Since 1985, we have had the experience and a passion for honest service, and we aim to keep you protected from all life’s unknowns. By working with the most respected insurance carriers in the nation, we offer you quality private flood insurance that helps you recover from flood loss.

Pasadena, TX Flood Insurance Policy Holders Flooded Basement

Private Flood Insurance for Your Property

The National Flood Insurance Program (NFIP) states that “everyone lives in a flood zone.” Regardless of whether your location falls within a designated flood zone, properties in the Pearland, Houston, and Pasadena, TX areas may still face potential flooding risks. While it is possible to obtain private flood insurance through the NFIP, a variety of private insurance companies also offer private flood insurance options to safeguard you, your residence, and your family. Failing to secure flood insurance could leave you responsible for repaying low-interest loans from the federal government, which can become quite costly.

What does it cover?

Our skilled agents weigh the options and help you find the right private flood insurance coverage for your needs and budget. But you may be wondering, what exactly does flood insurance cover?
Private flood insurance reimburses policyholders for property damage, including:

Flood Insurance for the Texas Gulf Coast

At Rick Tinker Insurance Agency, we provide private flood insurance protection to Galveston, Friendswood, TX​, League City, and the surrounding areas in the Texas Gulf Coast. As part of a common hurricane zone, you need to have private flood insurance protection to keep your home and private property protected. 

Our agents work with you to help you determine how much private flood insurance is necessary for your budget, lifestyle, and needs. With a thorough assessment, private flood insurance coverage is determined by a few key factors, including: