Sink holes happen al the time in TV. Just recently we had 2 or 3 lakes that went dry due to sink holes. You definitely want Sink Hole coverage Flood insurance is a personal choice. I have been here whjen we received 8-10 inches a rain in a very short period of time. Little if any flooding and no homes were effected....primarily road ways. WE dont have basements so no drains to really back up.
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