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Home Insurance Explained
Learn about home insurance policies and why it is not just a good idea, but a necessity if you have a mortgage.

Home Insurance Plans
Information on the seven basic home insurance plans and the 11 disasters that are usually covered.

Renters Insurance
Renters insurance information about specific coverages, replacement costs and actual value, deductibles, and loss of use coverage.

Flood Insurance
Find out what to look for in considering a flood insurance policy.

Earthquake Insurance
Is your home insured against an earthquake? Factors to consider with an earthquake insurance policy.

Mobile Home Insurance
Learn about mobile home insurance and what coverages are optional or extra.

Home Office Insurance
What is the best option for insurance if you have a home office?




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Home Insurance
Flood Insurance

Besides fire, flooding is the most common natural disaster. In order to legitimize a flood as occurring, two adjacent properties must be under water.

As with earthquake insurance, the basic homeowners insurance policy does not include flood damage. This coverage must be obtained from a provider that associates with the NFIP (National Flood Insurance Program). The NFIP is overseen by FEMA, which is the Federal Emergency Management Agency. FEMA, in turn, is run by the Federal Insurance Administration.

On average, the general policy is around $300/year. If you live in a lours' area, your premium can be as low as $100/year.
A standard flood insurance policy is purchased from the NFIP. Under a “write your own program”, a policyholder obtains insurance directly from a private insurance company, as opposed to going through the NFIP. Your premium will be the same amount, regardless of purchase through the government or private company.

Most insurers offer three basic plans of coverage:

-General property

-Residential Condo building association

-Dwellings

General property coverage will apply to apartments and business dwellings. Residential condo building association provides coverage for condominiums. Finally, your dwelling coverage applies to most residential homes. Each of the above has its individual limit in terms of coverage. When searching for a provider, focus on the service they provide, as opposed to the price. Since the federal government sets the rates, private insurance companies will attempt to gain your business through the service they can provide. One measure of quality service is the time it takes for a claim to be resolved. A worthy company will be able to pay off its claims in a timely fashion, as opposed to a competitor which may be struggling to process its claims within an acceptable window of time.




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