I currently reside in Palm Bay, Florida well away from the coastal cities like Indialantic or Melbourne Beach, would I want to consider Flood insurance when I am not as high of a risk as the coastal cities?

Yes, you would want to consider a Flood Insurance Policy. Anywhere it rains, it can flood. As a homeowner it is always important to insure your home. Depending on the location of your property, your home would be considered either at high-risk or at moderate-to-low risk for a flood. The flood insurance premiums vary accordingly.

Flood-hazard maps show the different degrees of risk which in turn help determine the cost of flood insurance. Most homeowners in a moderate-to-low risk area may be eligible for coverage at a preferred rate. Preferred Risk Policy premiums are the lowest costing premiums available through the National Flood Insurance Program (NFIP). For those that do live in a high-risk area there is a standard rated policy that offers separate building and contents coverage.

Your independent agent will be able to assist you determine your needs in terms of coverage and cost.

- Hoffman Home Insurance

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 companiesí forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.


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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

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