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If you’re asking, “I live in a low-risk area. Do I really need flood insurance?” the answer is most likely yes.

It’s a good idea to buy flood insurance even if you live in a moderate- or low-risk area. Anyone can be financially vulnerable to floods. People living in low-risk areas file over 20% of National Flood Insurance Program (NFIP) claims.

One third of those who did not have flood insurance received disaster assistance. Disaster assistance, when available, is typically a loan that must be repaid with interest.

Unfortunately for many others, disaster assistance was not available and they are struggling to put their property back together. The average flood loss is approximately $35,000. For just $183 you can buy a preferred risk flood policy, with $30,000 in building and $12,000 in contents coverage.

Cutting back on one $3.50 premium latte a week will save you $182. Which is more important, protecting your largest investment or an extra cup of coffee?

The chart below shows just how inexpensive protecting your low- to moderate-risk home from flooding can be. Call our office to put Indiana Flood Insurance protection in place.

 

FAMILY RESIDENTIAL & BUILDING CONTENTS COVERAGE COMBINATIONS

BUILDING

CONTENTS

PREMIUM

With Basement or Enclosure

Without Basement or Enclosure

$20,000

$8,000

$176

$129

$30,000

$12,000

$211

$183

$50,000

$20,000

$269

$240

$75,000

$30,000

$315

$281

$100,000

$40,000

$346

$312

$125,000

$50,000

$368

$334

$150,000

$60,000

$390

$356

$200,000

$80,000

$429

$390

$250,000

$100,000

$460

$414

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425 Lincolnway East
Mishawaka, IN 46544

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