Is Flood Insurance affordable?

Flood insurance can be more affordable than you think, for those who qualify for preferred rates; below youll find a sampling of policy premiums from FEMA for different amounts of coverage.

If you have any additional questions, would like assistance determining what your rate would be or are ready to purchase flood insurance, you can contact us at 321-751-2511

Find Your Rate (effective May 1, 2010):

A residential policy based on preferred rates for qualified structures in moderate-to-low risk areas.
A Preferred Risk Policy offers two types of coverage: Building & Contents and Contents Only.

Moderate-to-Low Risk Areas
RESIDENTIAL: Preferred Risk Policy (ZONES B, C, X)

Building & Contents Coverage Annual Premium
Without Basement or Enclosure


Premium includes Federal Policy Fee of $20.00.
Premium includes ICC premium fee of $6.00. Deduct this amount if the risk is a condominium unit.
Contents-only policies are not available for contents located in basement only.

Note: Residential condominium associations are not eligible for the Preferred Risk Policy. Individual residential condominium units in residential condominium buildings are eligible for the Preferred Risk Policy. In addition, individual residential condominium unit owners in nonresidential condominium buildings are only eligible for contents coverage. The deductibles apply separately to building and contents: Building deductible, $1,000, Contents deductible, $1,000.

To qualify for replacement cost claim settlement, a single-family dwelling must be the insured s primary residence and be insured to the maximum amount of insurance available under the program or no less than 80% of the replacement cost at the time of loss. Please refer to the policy or manual for further explanation and requirements.

NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.

F.A.Q - Questions And Answers about Florida Insurance


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Information contained within this site is the property of Hoffman and Associates Insurance Company and is provided for consumers looking to purchase insurance. Any other use is prohibited. We are not responsible for errors and omissions on this web site. All information contained herein should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is required. Please contact Hoffman Insurance Company at 321-751-2511 before making any purchase decisions based on information contained on this web site to check for validity. This content is copyrighted by Hoffman and Associates Insurance Company and will bring legal action on to anyone who copies the information contained here. PLEASE NOTE THAT COMPLETION OF A REQUEST FOR INFORMATION DOES NOT CONSTITUTE THE PURCHASE OF INSURANCE. NO COVERAGE MAY BE ADDED, CHANGED OR BOUND AS A RESULT OF SUBMITTING A REQUEST FOR INFORMATION. ALL COVERAGE MUST BE CONFIRMED BY THE AGENCY IN WRITING SUBJECT TO AN ACCEPTABLE SIG NED APPLICATION MEETING THE UNDERWRITING GUIDELINES OF THE INSURANCE COMPANY. Please read your policy carefully for your terms of coverage. No information in this website alters the terms of coverage in your individual policy. If you do not agree to these terms please exit this website