Texas Sinkhole Insurance

Do You Need Texas Sinkhole Insurance?

Learn how to get the right sinkhole insurance for you.


According to the U.S. Geologic Survey, Texas is one of the seven states most likely to experience damage from sinkholes. Some parts of Texas are naturally prone to sinkholes because of underground rock formations. Other areas have suffered damage from poor land-use practices, such as creating pits to store oil drilling waste. You cannot always assume that your existing home, business, or auto insurance policies adequately protect your assets from sinkhole damage. If you live in a risky area, it is a good idea to make sure your property is covered by Texas sinkhole insurance.

How can you find out if your Texas auto, business, or homeowners insurance will compensate you for sinkhole damage? Your local member agent in the Trusted Choice® network can answer that question. One of these agents can review your risks based on your home or business location and the type of property you want to cover. Since member agents work for clients and not for any specific insurance company, they can also offer you free Texas sinkhole insurance quotes from multiple insurers. Contact your independent member agent today.

Facts About Sinkholes

  • Sinkholes occur worldwide; Texas is one of the U.S. “hot spots” for sinkholes.
  • Structures built on limestone and sandstone bedrock can be especially vulnerable.
  • Acidic water from rain and ruptured pipes can erode the bedrock, forming cavities.
  • A sudden influx of rain after a dry period can trigger development of sinkholes.

Unfortunately, sinkholes are not like other catastrophes. While there are instuments to predict storms, tornados, and even earthquakes, sinkholes happen without much warning at all. Make sure you're ready for an unexpected catastrophe with the right insurance to protect your assets, budget, and risk factors.

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How Much Does Texas Sinkhole Insurance Cost?

The cost of your Texas sinkhole insurance will partly be based upon how risky the insurer believes your specific property is to cover. The U.S. Geologic Survey publishes maps of the state, which highlight areas built on rock formations that may be prone to sinkholes. The map highlights different risk zones in areas all over the state. These include large swaths of land and smaller regions in TX. Additional specific areas located near drilling operations could also be considered risky.

Insurers will set premiums based on these risks and other factors that are unique to you. There is no such thing as an average cost for Texas sinkhole insurance. Let a local Trusted Choice member agent review your current coverage and supply you with competitive rate quotes. That is one way to find the right coverage at the best price.

In some cases, you may be able to add extra coverage to an existing home, auto, or business property policy to cover the risk of damage from sinkholes. In other cases, you may want to purchase separate sinkhole coverage. Occasionally, you can combine sinkhole coverage together with earthquake insurance as a general land movement policy. Talk to your agent to find out more about your options and potential cost for Texas sinkhole insurance.

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Ready to Save On Insurance?

Our independent agents shop around to find you the best coverage.

How Do You Find Texas Sinkhole Insurance Quotes?

Sinkholes can cause damage to your home, personal property, car, or business. Because coverage can become complicated, most consumers turn to a professional agent for advice. A local agent in the Trusted Choice network will help you determine if your current coverage is adequate and can suggest sensible alternatives or extra insurance. These independent professionals can help you shop the market for a variety of insurance solutions, and they will be available to assist you if you ever do need to make a sinkhole damage claim. Find your local member agent now to get the anwers you need.

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