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As a business owner, you know that protecting your building and your contents is vital to its survival. Your business is either in a high-risk or moderate- to low-risk area and insurance premiums vary accordingly.
Most commercial buildings in a moderate- to low-risk area qualify for coverage at a preferred rate. A Preferred Risk Policy provides both building and contents coverage for properties in moderate- to low-risk areas for one low price. You can also opt for Contents Only coverage, if you prefer. Commercial coverage gives you up to $500,000 of insurance to protect your building and up to $500,000 to protect its contents.
If you don't qualify for a Preferred Risk Policy, a standard rated policy is still available. Even though flood insurance isn't federally required, anyone can be financially vulnerable to floods. In fact, people outside of mapped high-risk flood areas file more than 20 percent of all National Flood Insurance Program flood insurance claims and receive one-third of Federal disaster assistance for flooding. When it's available, disaster assistance is typically a loan you must repay with interest.
If you live in a high-risk area, a standard rated policy is the only option for you. It offers separate building and contents coverage.
Flood insurance premiums are calculated based on factors such as:
If your commercial property is in a high-risk flood area and you have a mortgage from a federally regulated or insured lender, you are required to purchase a flood insurance policy.
Learn your risk, estimate your premium and find an agent, by taking Your Risk Profile.
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