[rosieC]

How much does flood insurance cost, as well as wind insurance?

[Christina G]

depends on where you live. Call your homeowner insurance company and ask.
If it is not available then they can tell you where to get it.

[Tom Z]

I would buy a package deal if you can. It depends on where you live and what state you live in. For example if you live in the mountains I am sure that you insurance will be a greater cost to you then if you live in the city. It's the price you pay for the beauty of the view. On the other hand If you go through the same company that you get you car insurance, life insurance, they might give you a break because you have more than one account with them. My suggestion is look, shop around and take a policy out that fits your needs. You might want to survey your house for an estimate so you can take out enough coverage in case if something happens so that you will be able to replace your belongings. Good Luck to you.

[adsl_uk2000]

It depends on a lot of things. Where you live, how much coverage you want, and the elevation of your house. Depending on when your house was built you might have to have an elevation certificate. I know that most of the flood zone determination was done in the 70s and 80s. The best thing that I can suggest to you is to go and get a quote. Call your local insurance agency, and have them get you a quote.

A few things that you should know. The flood zone determination was determined by FEMA. All of the rating for the flood policy is determined by FEMA also. Flood policies only carry about 250,000 for you house, and 100,000 for contents coverage. So if your house is worth more than 250,000 you can get an excess flood policy. I can tell you right now that an excess flood policy is expensive.

I just did a quote for a guy who wanted 250,000 for the house, and 100,000 for contents, his house was 2 feet above elevation his house was in an AE zone (which means he was in a flood zone), and his deductible was $500, and that premium was $453 annual.

Get a quote, and the insurance company can let you know. A quote is always free no matter who you go to.

I hope that I help.

[Pinklady]

depends on where you live. if you are not in a flood zone, it is actually pretty cheap. if you are in a flood zone, that when you are looking at the cost. call an agent in your area. they can run a determination and tell you exactly what it would cost.

[aryaxt]

There is no such thing as "wind insurance." That would be covered under your home owner's policy. Flood insurance depends on the FEMA-designated flood zone the structure is in and the amount of coverage requested. Flood premiums are set by the government and are the same regardless of which insurance company you purchase through.

[travelhealthquote]

hi,
Flood insurance is very much needed, those place which lies in low area will not be covered, but the place which is affected newly can be added to the insurance.