The maximum coverage allowed for your primary residence is $250,000 for your building (paid at replacement cost), and $100,000 for personal property (paid at actual cash value)
Most other structures are NOT covered by NFIP policies or have limited coverage
NFIP only pays claims at actual cash value for business property and secondary or rental homes
NFIP requires a surcharge for all non-primary dwelling
Private Flood
Not backed by the federal government
Pays replacement cost coverage for both building and personal property
Higher coverage limits up to $1 million are available
Includes coverage for additional living expenses up to certain limits
NFS Edge/EZ Flood
EZ Flood Preferred Policies
Alternative to NFIP policies for homes not in the 100-year floodplain
EZ Flood Standard Policies
Alternative to NFIP polices for homes in the 100-year floodplain
