re: Anyone use Private Flood Insurance, eg Neptune Flood Insurance?

quote:

---

1) Should flood coverage be same as homeowners?

---

Not necessarily, but depends on your situation/set-up. Outside of a Katrina situation where you have 6-8' of standing water; the most you will need is enough coverage to cover flooring, 2-4' of sheetrock, repaint walls, and content coverage for any items in that 2-4' range (primarily furniture & appliances).

The coverage for homeowners' needs to cover all that, but also be able to cover roof damage, insulation, appliances 4' off the ground, personal contents 2-4' off ground, 2nd floor...