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CWilken21
LSU Fan
Gnawlins
Member since Mar 2005
2606 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







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bamanmemphis
Alabama Fan
Member since Sep 2009
647 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
20013 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
Five Oh Four
Member since Feb 2005
76559 posts

re: Flood Insurance contents coverage


What your flood zone? Go 250/100





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CWilken21
LSU Fan
Gnawlins
Member since Mar 2005
2606 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
4680 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
58 posts

re: Flood Insurance contents coverage


You will get paid on the depreciated value of your contents.





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