Texas New Construction Homeowners & Flood Insurance – Statewide Preferred Coverage
120+
Carriers
Same-Day Quotes
Escrow-Ready Docs
Bilingual Service
A-Rated Carriers
Why Choose TruvaLink
Insurance Agency?
- We shop 120+ A-rated and specialty insurance carriers to find the right fit for your home—anywhere in Florida or Texas.
- Same-day quotes and fast document turnaround, including escrow-ready and lender documents.
- Bilingual guidance (English & Spanish) from quote to bind to service.
- Premium financing available to spread out payments and reduce up-front costs.
- Instant issue bonds and bundled coverage options for extra savings and convenience.
Coverage Details &
Flood Insurance Options
Flood insurance is available for all properties in Florida, with fast quotes and options from both the National Flood Insurance Program (NFIP) and private markets.
Flood Insurance
(NFIP and Private)
Protects against storm surge, coastal flooding, hurricane-driven rainfall, and rising water—all major risks in Florida’s coastal and wind zones where standard policies do not apply.
Homeowners
Insurance (HO3)
Covers dwelling, belongings, and liability—built to handle wind, hurricanes, and severe storms.
Condo
Insurance (HO6)
Protects interiors and personal property—especially important for coastal and high-rise units exposed to wind and surge.
Landlord
Insurance
Covers rental homes and liability in hurricane- and wind-prone regions.
Renters
Insurance
Provides personal property and liability protection, even during storm-related events.
Umbrella
Insurance
Adds liability coverage that can apply to storm damage claims.
Coverage Types
- Flood Insurance (NFIP + Private): Covers storm surge, flash flooding, inland flooding, and hurricane-driven rain—especially important for properties in floodplains, coastal counties, and growing construction zones.
- New Construction Homeowners Insurance: Protects the structure, belongings, and liability—often required before closing and tailored for wind/hail risks.
- Builder-Close Insurance: Covers the home during final construction stages and closing—builders and lenders frequently require proof of flood and hazard coverage.
- Condo Insurance: Protects interiors and belongings in multi-unit buildings, including properties exposed to wind and flood risks.
- Landlord Insurance: Covers rental homes, liability, and loss of rent in areas prone to hailstorms and flash flooding.
- Umbrella Insurance: Adds extra liability protection for storm-related claims.
Eligibility
- Available for new builds, primary homes, condos, and rental properties.
- Accepted by lenders for escrow, closings, and builder requirements.
- Most homes qualify through NFIP or private flood carriers, even outside designated high-risk zones.
Why Flood Insurance Matters in Texas
- Wind and hail deductibles apply to most Texas property policies—especially in Gulf Coast and North Texas regions.
- Builders and lenders often require flood coverage before closing or issuing COs (Certificates of Occupancy).
- Escrow accounts frequently bundle flood insurance into mortgage requirements.
- Inland and coastal storms can cause flash floods, drainage overflow, and surge during hurricanes.
Contact Us: (813) 492-2535
Coverage Details &
Flood Insurance Options
Flood insurance is available for all properties in both Florida & Texas, with fast quotes and options from both the National Flood Insurance Program (NFIP) and private markets.
Flood Insurance
(NFIP and Private)
Special focus on hurricane, wind, and coastal risks. A specific insurance coverage against property loss from flooding.
New Construction
Homeowners Insurance
Covers dwelling, belongings, and liability—built to handle wind, hurricanes, and severe storms.
Builder Close
Insurance
Is a specialized form of short-term property insurance designed to cover a newly constructed home between the time construction is completed
Condo
Insurance (HO6)
Is designed for individuals who live in a unit structure owned and insured by a condo association, townhouse association cooperative, etc.
Landlord
Insurance
Is an insurance policy that covers a property owner from financial losses connected with rental properties.
Umbrella
Insurance
Refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
Contact Us: (813) 492-2535
How It Works
The Simple 3-Step Process
Step 1
Request your quote online or by phone.
Step 2
We shop the market and present you with the best-fit coverage options (including flood, if needed).
Step 3
Choose your coverage and receive your documents—often the same day, ready for your lender or closing.
- Request your quote online or by phone.
- We shop the market and present you with the best-fit coverage options (including flood, if needed).
- Choose your coverage and receive your documents—often the same day, ready for your lender or closing.
Frequently Asked Questions (FAQs)
Client Reviews
Yan shopped my primary home in Texas and saved me about $480/year, then helped me bundle my auto for an extra discount. He also set up landlord policies for my two rental units in Florida and cut about $200/year there. (I didn't even know that I needed landlords insurance!) Clear options, quick communication, and everything handled fast. Highly recommend Yan @TruvaLink Insurance
-Kevin C.
I’ve known Yan Hernandez for several years, and he has absolutely earned my trust. As a property manager, it is essential for me to have reliable partners I can count on, not just for myself but for my clients. Yan has become my go-to insurance professional because he consistently delivers outstanding service.
-Ashley M.
-T.M. (Galveston, TX)
TruvaLink Insurance Agency made switching my policies easy and stress-free. Yan reviewed my coverage needs across home, auto, and an umbrella policy, explained my options in plain language, and found better coverage at a lower price. Yan handled the details, kept me updated the whole time, and coordinated everything quickly.
-David A.
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