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Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.
Building coverage includes:
Contents coverage includes:
The two most common reimbursement methods for flood claims are Replacement Cost Value (RCV) and Actual Cash Value (ACV). The RCV is the cost to replace damaged property; it is reimbursable to owners of single-family primary residences insured to at least 80 percent of the building's replacement cost.
All other buildings and personal property (i.e. contents) are valued at ACV. The ACV is the RCV at the time of loss minus physical depreciation. Personal property is always valued using the ACV.
Use the Summary of Coverage for more details on what's covered.
Learn your risk, and find an agent, by taking Your Risk Profile.
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