Yes, you would want to consider a Flood Insurance Policy. Anywhere it rains, it can flood. As a homeowner it is always important to insure your home. Depending on the location of your property, your home would be considered either at high-risk or at moderate-to-low risk for a flood. The flood insurance premiums vary accordingly.
Flood-hazard maps show the different degrees of risk which in turn help determine the cost of flood insurance. Most homeowners in a moderate-to-low risk area may be eligible for coverage at a preferred rate. Preferred Risk Policy premiums are the lowest costing premiums available through the National Flood Insurance Program (NFIP). For those that do live in a high-risk area there is a standard rated policy that offers separate building and contents coverage.
Your independent agent will be able to assist you determine your needs in terms of coverage and cost.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companiesí forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.
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