Flood insurance recommendations??

max policy: 250k building; 100k contents $450 total, they all the same.

Doesn't matter who you're agent is. If quoted properly it's the same premium with anyone since it's the NFIP program. You would need an excess policy since max coverage is 250k for building, 100k for contents.

All are underwritten through NFIP (National flood insurance program). All policies are the same. Go with the carrier that writes your home or autos. If your homeowner insurance company doesn't participate find a local agent with a company with good service ratings.

Did you need to get an elivation certificate? If so where did you get it?

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Did you need to get an elivation certificate? If so where did you get it?

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No I didn't need one.

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Do understand that water has to rise, rushing water is not covered by flood insurance.

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How do you have rushing water that does not rise? Are you referring to a pipe break situation?

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We needed one, however, the previous homeowner had one that they gave us and since previous owner had flood insurance, we were able to use it.

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You never "need" an elevation certificate. For example, if you are in flood zone x, you just apply for Flood Insurance and walk out with your $450 premium

Now, if you are in zone AE or other higher risk zones, without a certificate you will be paying a higher premium. If you can produce a certificate from an Engineer that you are actually above your flood zone according to the map, you will save a ton of money

Every company has the same rates for flood.

depends on date of construction. you go build home now in A zone, you have to have elevation cert to write a flood policy. Homes pre-firm can be rated using whatever predetermined rates.

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ou go build home now in A zone, you have to have elevation cert to write a flood policy. Homes pre-firm can be rated using whatever predetermined rates.

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I guess you can tell I have never owned a new home