the insurance states,, Kingwood "COULD BE" in a flood plain,, so the insurance is higher,, plus all the trees falling down on houses... oh yea
@KTownTexican: Being in a flood plain doesn't affect HO's ins rates as flood is excluded on all HO's policies (if you want flood, you need to buy a separate policy through the Nat'l Flood Ins Program), having a pool doesn't affect it much either (small surcharge only applies to a liability, look at your liability premium, it's cheap).Ins co's do "zip code rate" though, based on how many claims in the zip code, fire/wind/theft claims, Allstate seems to be writing pretty competitive rates in KW, but try them all if your's went up a bunch, $2,000 isn't bad if it's a standard carrier and your replacement cost is alteast $250,000 plus.
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