No, a standard homeowners policy does not include flood coverage. Flood is an inexpensive yet separate policy that is underwritten through FEMA and the rates are standardized so no matter what company your policy is through, the premium is the same. If your property is not in a flood zone, rates are as follows:
Building/Contents Premium
$20,000/$8,000 $119
$30,000/$12,000 $150
$50,000/$20,000 $201
$75,000/$30,000 $237
$100,000/$40,000 $264
$125,000/$50,000 $284
$150,000/$60,000 $303
$200,000/$80,000 $333
$250,000/$100,000 $355
For more information, or to see if you are covered, contact us at www.fiorellainsurance.com
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