Question 1

Do I really need flood insurance if I don't live in a flood zone?

Accepted Answer

Yes, you should strongly consider it. Hurricane Harvey proved that flooding can happen anywhere in Friendswood, not just in designated flood zones. About 3,000 homes were destroyed during Harvey, many outside official flood zones. With 55 inches of annual rainfall and four major creeks running through the area, the risk is real. Plus, flood insurance only costs about $592 per year on average in the Houston area—far less than replacing your home's contents after a flood.

Question 2

What's the difference between homeowners insurance and windstorm insurance in Texas?

Accepted Answer

Standard homeowners policies in coastal Texas explicitly exclude windstorm and hurricane damage. You need a separate windstorm policy to cover damage from hurricane-force winds, which are common threats along the Gulf Coast. This means if a hurricane causes both wind damage to your roof and flood damage to your first floor, you'll file two separate claims under two different policies.

Question 3

Is Texas's minimum auto insurance coverage enough?

Accepted Answer

Texas requires 30/60/25 coverage, but most insurance professionals recommend much higher limits. With median home values at $350,000 in Friendswood, you have significant assets to protect if you cause a serious accident. Medical costs and auto repairs have increased dramatically in recent years, making the state minimums inadequate for most homeowners. Consider increasing your liability limits to at least 100/300/100 or adding an umbrella policy.

Question 4

How much can I save by bundling auto and home insurance?

Accepted Answer

Multi-policy discounts typically range from 5% to 25% off each policy when you bundle auto and homeowners insurance with the same carrier. For a household paying $2,000 annually for auto and $1,500 for home insurance, a 15% discount could save you $525 per year. The exact discount varies by carrier and your individual circumstances.

Question 5

What should I look for when choosing an insurance agent in Friendswood?

Accepted Answer

Look for agents with deep knowledge of local flood risks, experience handling claims from Hurricane Harvey, and the ability to quote multiple carriers. Ask if they handle claims directly or route you to a call center, and whether they provide annual policy reviews. The best agents understand Friendswood's unique position in both Galveston and Harris Counties and can structure coverage that addresses coastal and urban risks.

Question 6

How long does it take for flood insurance to go into effect?

Accepted Answer

Flood insurance has a mandatory 30-day waiting period before coverage begins, with few exceptions. This means you can't wait until a tropical storm is approaching to buy coverage. Purchase your flood policy well before hurricane season starts, ideally when you close on your home or as soon as you move to Friendswood.

Insurance Agents in Friendswood, Texas (TX)

Insurance agencies serving Friendswood

Affiliated Spartan Insurance

Iron Property Insurance

Insurance Agents in Friendswood, Texas (TX)

Insurance agencies serving Friendswood

Affiliated Spartan Insurance

Iron Property Insurance

Joe Cook & Associates, Inc.

Mckee Insurance Group

Pearwood Insurance

Rosewood Insurance Group, LLC

Insurance Guides for Friendswood

Insurance in Friendswood, Texas: Your Complete Guide

Home Insurance in Friendswood, Texas

Auto Insurance in Friendswood, Texas

Frequently asked questions