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CWilken21
LSU Fan
Gnawlins
Member since Mar 2005
2858 posts

Flood Insurance contents coverage

First time homeowner...

What amount of coverage do I need on a 3000sf house (2 story with approx 1800sf on the ground level). I am 3 ft above base flood elevaton. I dont have top of the line anyting right now. Is 35k in the right range?

Thanks


bamanmemphis
Alabama Fan
Member since Sep 2009
648 posts

re: Flood Insurance contents coverage
Its cheap as frick, double what you think it might be. You will never notice the cash....unless you are underinsured in a flood


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wickowick
LSU Fan
Head of Island
Member since Dec 2006
27791 posts

re: Flood Insurance contents coverage
Remember flood won't cover contents in sheds, etc or anything lower than the first floor besides a few exceptions...


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Chad504boy
New Orleans Saints Fan
Greenbriar WV
Member since Feb 2005
91364 posts

re: Flood Insurance contents coverage
What your flood zone? Go 250/100


CWilken21
LSU Fan
Gnawlins
Member since Mar 2005
2858 posts

re: Flood Insurance contents coverage
Im in AE flood zone. I have the building as 250 and I will take your recomendation for contents as 100. Thanks


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TDsngumbo
LSU Fan
Member since Oct 2011
7104 posts

re: Flood Insurance contents coverage
If you're 3 ft above BFE, go with the maximum 250/100. It will be about $343/year or very close to it.


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Gevans17
LSU Fan
Member since Dec 2007
303 posts

re: Flood Insurance contents coverage
You will get paid on the depreciated value of your contents.


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