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Frequently Asked Questions

What types of coverage does a PRP offer?

A PRP offers considerable premium savings to low risk property owners with no difference in coverage.

Under the low cost PRP, there are two types of coverage combinations: building and contents together, and contents-only.

A PRP premium for a residential building and contents ranges from as low as $129 - for $20,000 in building and $8,000 in contents coverage - to $414 - for the maximum $250,000 building and $100,000 contents coverage.

Under the PRP, a residential tenant can get coverage for as low as $57 for $8,000 in contents coverage (all rates as of October 1, 2013).

Back to Frequently Asked Questions: Preferred Risk Policy (PRP) Eligibility Extension


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent

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