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ckone
LIF Adult
Member since 8/06 3014 total posts
Name:
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Those that pay Flood Insurance???
What towns do you live in and how much do you pay on top of your homeowners' insurance?
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Posted 3/6/07 10:58 AM  |
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Prudential Douglas Elliman Real Estate
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lemonlime
Member since 1/07 1226 total posts
Name:
Jennifer
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Re: Those that pay Flood Insurance???
we live on the water so we need to pay flood. it is a standard amount because it is regulated by the government
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| Posted 3/6/07 11:27 AM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Those that pay Flood Insurance???
Flood zones areas tend to be costly and esp if you are required to cover ur house at the $250k max coverage.
A policy can run around $1600/a yr...give or take.
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| Posted 3/6/07 11:38 AM |
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Re: Those that pay Flood Insurance???
I live in Farmingdale. It use to flood in the 50's and 60's but not anymore. It is included in our home owners policy and for everything we pay I think $775.
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| Posted 3/6/07 11:43 AM |
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lorich
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Member since 6/05 9987 total posts
Name:
Grammie says "Lora Gina"
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Re: Those that pay Flood Insurance???
Posted by Seles81
I live in Farmingdale. It use to flood in the 50's and 60's but not anymore. It is included in our home owners policy and for everything we pay I think $775.
Just out of curiosity...who are you insured with? Most if not all HO companies are excluding flood.
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| Posted 3/6/07 12:47 PM |
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ali120206
2 Boys
Member since 7/06 17790 total posts
Name:
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Re: Those that pay Flood Insurance???
Posted by lorich
Just out of curiosity...who are you insured with? Most if not all HO companies are excluding flood.
Flood insurance is always a separate insurance policy. It's offered through the Gov'ts National Flood Insurance Program but, is written by different insurance companies (two of the largest are State Farm and Allstate).
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| Posted 3/6/07 1:01 PM |
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Liz
LIF Adolescent
Member since 5/05 674 total posts
Name:
Liz
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Re: Those that pay Flood Insurance???
We live in Massapequa on the water. We use Farmers and I think we paid around $1500
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| Posted 3/6/07 1:26 PM |
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MrsPorkChop
Twinning!!
Member since 5/05 9941 total posts
Name:
Missy
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Re: Those that pay Flood Insurance???
i have a clause in my policy that covers it- not sure what that clause is but i just had basement flooding Friday, and they are giving us the max payout of $2500. every bit helps. our rug is ruined
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| Posted 3/6/07 1:39 PM |
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lorich
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Member since 6/05 9987 total posts
Name:
Grammie says "Lora Gina"
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Re: Those that pay Flood Insurance???
Posted by ali120206
Posted by lorich
Just out of curiosity...who are you insured with? Most if not all HO companies are excluding flood.
Flood insurance is always a separate insurance policy. It's offered through the Gov'ts National Flood Insurance Program but, is written by different insurance companies (two of the largest are State Farm and Allstate).
I know that, but the poster said she has it covered under her HO policy.
Message edited 3/6/2007 2:14:24 PM.
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| Posted 3/6/07 2:13 PM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Those that pay Flood Insurance???
FLOOD is not covered under a home policy, ever.
The previous poster I believe had an endorsement that covered her water loss...which isnt necessarily flood. Why she was covered. SHe is also in CT which can change things a bit. Every state is different.
Flood ins is only issued through an ins company like SF or Allstate etc and provided by FEMA.
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| Posted 3/6/07 3:25 PM |
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lorich
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Member since 6/05 9987 total posts
Name:
Grammie says "Lora Gina"
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Re: Those that pay Flood Insurance???
Posted by Smileyd17
FLOOD is not covered under a home policy, ever.
The previous poster I believe had an endorsement that covered her water loss...which isnt necessarily flood. Why she was covered. SHe is also in CT which can change things a bit. Every state is different.
Flood ins is only issued through an ins company like SF or Allstate etc and provided by FEMA.
Again...I understand that...it's the Farmingdale poster...
Hence...the question.
I do work in insurance and understand SF, Allstate, Travelers...flood carriers...through FEMA.
ETA: Ok...no matter how many times I read what I wrote...it's sounds really nasty...I don't mean it that way.
Message edited 3/6/2007 4:55:43 PM.
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| Posted 3/6/07 4:21 PM |
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SupportACop
Momma's Boy & Lovin' it!!
Member since 5/06 2579 total posts
Name:
C
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Re: Those that pay Flood Insurance???
We estimated it as 1,200. We are moving to Amity Harbor this week, hopefully! 
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| Posted 3/6/07 8:02 PM |
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Dani520
LIF Adolescent
Member since 9/06 805 total posts
Name:
Danielle
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Re: Those that pay Flood Insurance???
We're in Massapequa and pay 1400 for flood insurance
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| Posted 3/6/07 8:43 PM |
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MegZee
My bunny
Member since 5/06 8777 total posts
Name:
Meaghan
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Re: Those that pay Flood Insurance???
im pretty sure Seles81 doesnt need flood insurance,its probably an optional coverage thing.
my mom's house in fdale doesnt need it. i grew up in fdale, ive never seen floods, except when everyone's basement flooded like two years ago.
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| Posted 3/6/07 8:55 PM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Those that pay Flood Insurance???
Posted by lorich
ETA: Ok...no matter how many times I read what I wrote...it's sounds really nasty...I don't mean it that way.
its ok.  
I hear ya!
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| Posted 3/6/07 9:54 PM |
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Re: Those that pay Flood Insurance???
I will check, you guys are probably right though and I didn't understand why I needed it either but I leave across the street from a preserve (well ditch now since their is no water in it  ). I have Liberty Mutal.
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| Posted 3/7/07 8:13 AM |
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