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Building & Contents

$5M Combined on Any One Building per Occurrence (Building and Contents)


$500,000 per Occurrence

Residential & Commercial Buildings

Condos – Minimum of 4 Stories, Positively Elevated A +V Zones, Max TIV $50M (we can write a Primary $5M and Excess of $45M)

Buildings and Contents Coverage Mirrors the NFIP Form and is Lender Compliant

Business Income/Rental Value (including Extra Expense)

Contents Only

$2,000 per occurrence in respect of Primary Buildings coverage

$2,000 per occurrence in respect of Primary Contents coverage

14 day waiting period in respect of Business Income/Rental Value coverage

No Waiting Period for Mortgage Loan Closings

7 Days Waiting Period in Respect of Coastal (Tier 1 and 2) Risks

14 Day Waiting Period for Inland Risks

Properties Located in a Community Currently in an Emergency Program

Coverage for Mobile Homes

Medical Equipment

Perishable Goods, including Food and/or Drink

Business Income and/or Rental Value Only Coverage

Replacement Cost Coverage for Building & Contents

Ability to Schedule Multiple Locations into One Policy

Competitive Rates Based on Tier County Locations

Policy Wording Accepted by Lenders

NFIP/Acord Application or renewing NFIP Dec Page

Elevation Certificate Needed for Post Firm A or V Zones to Bind Coverage

Excel SOV for Multiple Locations

Confirmation of “No Prior Flood Losses”