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If you are a tenant, it is wise to insure your contents. The policy premium is based on several factors, including the flood risk of the building that you occupy.
Flood insurance isn't federally required in moderate- to low-risk areas, but it's still a good idea. In fact, people in these areas file more than 20 percent of all National Flood Insurance Program (NFIP) flood insurance claims. Most condo owners and renters in moderate- to low-risk areas can obtain coverage at a reduced rate. Preferred Risk Policy premiums, the lowest premiums available through the NFIP, offer building and contents coverage for one low price. If you don't qualify for a Preferred Risk Policy, a standard-rated policy is still available.
If you rent in a high-risk area, a standard-rated policy offers contents coverage.
Premiums are calculated based on factors such as:
Learn your flood risk and find agents in your area by completing your One-Step Flood Risk Profile on this page. Or enter your ZIP code to find an agent.
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Flooding can happen anywhere, but it's important to understand the different flood risks.
Coverage is available for both building and contents whether or not your condominium is owned by an association.
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