PERSONAL LINES

Flood / Excess Flood

Based on the location of your property, choose the limit of flood insurance to meet your needs and budget. A basic flood policy ($250,000 in building coverage/ $100,000 in contents coverage) can be supplemented with Excess Flood, which provides higher limits of coverage.

Even homes that are not in flood prone areas can be subject to flooding when rain water overwhelms the local drainage system.

Key Considerations

  • Flood Zone
  • Proximity to a body of water
  • Elevation of the home
  • Type of foundation (full basement, crawl space, or break-away walls in coastal areas)
  • Equipment and furnishings on the lowest level of the home