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Updated almost 7 years ago on . Most recent reply

Todd Krzeminski's profile image
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Todd Krzeminski
  • Rental Property Investor
  • from Northern Virginia
  • Member since Oct 5, 2015
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Todd Krzeminski's profile image
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Todd Krzeminski
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Todd Krzeminski
  • Rental Property Investor
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Insurance

NFIP Flood Insurance

Todd Krzeminski
  • Rental Property Investor
  • Northern Virginia
Posted

Anyone have a recommended source for Flood Insurance for a SFH?

Getting quotes for one of my Indianapolis properties in the $3k+ range, which is outrageous. I could insure it myself at that rate.

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John Mocker#1 Insurance Contributor
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John Mocker#1 Insurance Contributor
  • Insurance Agent
  • Norwalk, CT
Replied

Todd,

There are several non-NFIP (National Flood Insurance program from FEMA) flood insurance providers out there now. Check with your mortgage co. to see if they will accept the Non-NFIP policy. Some banks will not accept the Non-NFIP policies.

Also, find out if the property is grandfathered in for any lower rates in NFIP.  If you get at Non-NFIP policy and then have to go back to NFIP you probably would lose the grandfathered rate. 

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