The Johnston Insurance Agency - Business Insurance

Flood Insurance

Your homeowners insurance doesn't cover floods. Federal flood insurance does.

Floods can happen anytime, anywhere. They cause anguish and desctruction -- physical, emotional, and financial. Especially when victims realize the damage isn't covered by their homeowners insurance policy.

Federal disaster assitance? It's not the answer, either. Why? Because in most cases, the only aid disaster victims may qualify for is a loan, and that must be repaid -- with interest! More importantly, disaster asstance is available only if a flood is a federally declared disaster -- most floods are not.

Only Federal flood insurance reimburses you for flood damage to your property! With one annual premium, you can protect your most important investment -- your home and your finances.

The Preferred Risk Policy

The National Flood Insurance Program's Preferred Risk Policy (PRP) offers lower-cost protection for homes and apartments in areas of low- to moderate-flood risk. These areas outside of known floodplains are shown as B, C, or X zones on a Flood Insurance Rate Map.

Most single-family homes, townhomes, and apartments in these areas are eligible for the lower FRP rates, as long as the building does not have a significant history of flooding. Most multi-unit condominium buildings do not qualify, though insurance for them is available at standard rates.

For Homeowners -- Protecting your home and its contents

Several combinations of building and contents protection are available. You can buy $20,000 building coverage and $8,000 contents coverage for as little as $112 per year. Higher coverage combinations of up to $250,000/$100,000 are available.

For Renters -- Protecting Personal Propterty

For as little as $39 per year, you can buy $8,000 of contents-only coverage. Higher limits up to $100,000 are available (coverage is not provided for contents located in basements only).

Call us today at 215-757-0100 and ask about the National Flood Insurance Program. There's no better way to save for a rainy day. We offer all of the NFIP products

1-4 Family Residential Building and Contents Coverage Combinations¹

With Basement/Enclosure

Without Basement/Enclosure

Building	Contents	Premium^2,3
$ 20,000	$ 8,000	$137
$ 30,000	$ 12,000	$163
$ 50,000	$ 20,000	$205
$ 75,000	$ 30,000	$232
$100,000	$ 40,000	$263
$125,000	$ 50,000	$279
$150,000	$ 60,000	$294
$200,000	$ 80,000	$331
$250,000	$100,000	$352

Building	Contents	Premium^2,3
$ 20,000	$ 8,000	$112
$ 30,000	$ 12,000	$138
$ 50,000	$ 20,000	$180
$ 75,000	$ 30,000	$207
$100,000	$ 40,000	$233
$125,000	$ 50,000	$249
$150,000	$ 60,000	$264
$200,000	$ 80,000	$296
$250,000	$100,000	$317

All Residential Contents Only^1,4

Contents Located
Above Ground Level
(More Than One Floor)

All other locations

Basement Only Not Eligible)

Contents	Premium²
$ 8,000	$ 39
$ 12,000	$ 53
$ 20,000	$ 81
$ 30,000	$ 93
$ 40,000	$105
$ 50,000	$117
$ 60,000	$129
$ 80,000	$153
$100,000	$177

Contents	Premium²
$ 8,000	$ 61
$ 12,000	$ 86
$ 20,000	$116
$ 30,000	$131
$ 40,000	$146
$ 50,000	$156
$ 60,000	$166
$ 80,000	$181
$100,000	$196

¹Add the $50.00 Probation surcharge, if applicable. ²Premium inlcudes Federal Policy Fee of $11.00. ³Premium includes ICC premium of $1.00. Deduct this amount if the risk is a townhouse/rowhouse condominium unit. ⁴Contents-only policies are not available for contents located in the basement only. NOTES: Condominium associations are not eligible for the Preferred Risk Policy. Individual condomimium units are not eligible unless they qualify under one of the exceptions on page PRP 2 of the NFIP Flood Insurance Manual. The deductibles apply separately to building and contents. Building deductible, $500. Contents deductible, $500.

If you are interested in obtaining more information or a quote, contact us.

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Learn more about the National Flood Insurance Program (NFIP)

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