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Just a few inches of floodwater can cause tens of thousands of dollars in damage. From 2011 to 2015, the average residential flood claim amounted to nearly $43,000. In 2015, the average policy premium was nearly $700. Flood insurance is the best way to protect yourself from devastating financial loss.
Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property's flood risk.
All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.
Flood insurance is available to everyone, from high-risk areas to moderate- to low-risk ones.
Contents-only flood insurance policies are available for renters.
Coverage is available for both building and contents whether or not your condominium is owned by an association.
Policy rates are based on many factors, including flood risk, amount of coverage, and building elevation.
It's important to know what your flood insurance policy covers.
Understand the essentials of flood insurance.
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