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Started By
Message
Private Flood Insurance vs Federal Flood Insurance.
Posted on 6/1/26 at 10:31 am
Posted on 6/1/26 at 10:31 am
I live in Flood zone X and do not need to have flood Insurance but the house did get 3' of water in 2016 flood so I have always bought it in years past.
Price has gone from $575 to $995 now so I started looking at Private policies and found one from a company called AONEdge for $425 a year.
I have researched the company and they are legit so I was just wondering if anyone else had experience dealing with a private policy especially if they had a claim.
Price has gone from $575 to $995 now so I started looking at Private policies and found one from a company called AONEdge for $425 a year.
I have researched the company and they are legit so I was just wondering if anyone else had experience dealing with a private policy especially if they had a claim.
This post was edited on 6/1/26 at 10:32 am
1
Posted on 6/1/26 at 10:33 am to KLSU
private flood policies can offer better coverage. Replacement cost on contents. You can add temporary living expense coverage as well. Go private and add on some better coverage options.
Posted on 6/1/26 at 12:44 pm to Chad504boy
Risk of private, not backed by Federal govt, exits market. A Return to Federal policy automatically restarts at max premium price.
However, that max premium price is inevitable. So, private is starting to make sense to me…esoecially with better coverage option point.
…Im shopping for flood insurance now. Early days. Helpful to know better coverage point.
However, that max premium price is inevitable. So, private is starting to make sense to me…esoecially with better coverage option point.
…Im shopping for flood insurance now. Early days. Helpful to know better coverage point.
This post was edited on 6/1/26 at 12:45 pm
Posted on 6/1/26 at 3:46 pm to Chad504boy
Are private flood policies covered by the state if insurer goes belly up? Like homeowners?
Posted on 6/1/26 at 3:49 pm to LSUFanHouston
quote:
Are private flood policies covered by the state if insurer goes belly up?
not usually. but they are in a different financial stratosphere than the shitty arse homeowner companies that go under. comparing apples to lemons.
Posted on 6/1/26 at 4:49 pm to Chad504boy
quote:
but they are in a different financial stratosphere than the shitty arse homeowner companies that go under. comparing apples to lemons.
How so, after flood companies stronger
Posted on 6/1/26 at 4:59 pm to LSUFanHouston
Post deleted
This post was edited on 6/1/26 at 5:04 pm
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