Wednesday, April 4, 2012

Coastal Guidelines for Auto Insurance | Integra Insurance Blog

If you live near the coastal regions of Texas, you will likely pay more to insure your vehicle than other drivers in the state do. Keeping a vehicle along the coast means that your car is more vulnerable to flood damage than other vehicles are, meaning you need increased protection. Although that protection may come at a higher price, it could ultimately save you thousands of dollars to replace your car.

With more than 350 miles of coastline in Texas, the state is often prone to hurricanes and strong Gulf storms that can cause flooding of streets and garages in low-lying areas. Even if you live in an area that has never flooded before, it doesn?t mean it won?t happen in the future. And do not expect your homeowner?s insurance to cover the damage if your garage floods. While Texas homeowner?s insurance policies protect against water damage to a home and its contents, they do not provide coverage for water damage due to flooding.

Be sure to shop for auto insurance coverage that will replace or repair all mechanical and aesthetic damages to your vehicle in the event of a flood. Be aware that you may have to submit to a complete vehicle inspection before flood coverage can begin. Insurers often order inspections to ensure that your vehicle has not previously suffered water damage. Shop and compare premiums between insurers to get the best rates for vehicle flood damage protection.

This entry was posted in Auto Insurance and tagged flood damage, regions of Texas, Texas, vehicle inspection, water damage by AgentInsure. Bookmark the permalink.

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