• sell the policies
• collect premiums
• process claims
• provide servicing of the policies

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1. If the intial purchase of flood insurance is in connection with the making, increasing, extending or renewing of a loan, there is no waiting period. The coverage becomes effective at the time of the loan, provided application and payment of premium is made at or prior to loan closing.
2. If the intial purchase of flood insurance is made during the 13-month period following the effective date of a revised flood map for a community, their is a one day waitiing period. This only applies where the Flood Insurance Rate Map (FIRM) is revised to show the building to be in a SFHA when it had not been in an SFHA. The policy does not cover a "loss in progress", defined by the NFIP as a loss occuring as of 12:01 am on the first day of the policy term. In addition, you cannot increase the amount of insurance coverage you have during a loss in progress.
3.  

1. Dwelling
2. Contents
3. Debris Removal
4. Increased Cost of Compliance (ICC)

provides coverage up to $30,000.00 to do one of the following things:

• The reasonable cost to demolish your home
• The reasonable cost to elevate your home

The order for ___ to apply, the dwelling has to be substantially damaged (51% or more of the dwelling is destroyed).

1. Building/Structure Property, up to $250,000.
2. Personal Property (Contents), up to $100,000.

• The insured building and its foundation
• The electrical and plumbing system
• Central air conditioning equipment, furnaces, and water heaters
• Refrigerators, cooking stoves, and built-in applicances such as dishwashers
• Permanently installed carpeting over unfinished flooring.

• Clothing, furniture, and electronic equipment
• Curtains
• Portable and window air conditioning units
• Portable microwaves and dishwashers
• Carpeting that is not attached to the building
• Washers, dryers.

1. Personal property not inside a fully enclosed building
2. A building, and personal property in it, located entirely in, on, or over water
3. Personal property located in, on, or over water
4. Recreational vehicles other than travel trailers, whether affixed to a permanent foundation or on wheels
5. Self-propelled vehicles or machines, including their parts and equipment. However, we do cover self-propelled vehicles or machines not licensed for use on public roads that are:  A.) Used mainly to service the described location.    B.) Designed and used to assist handicapped persons, while the vehicles or machines are inside a building at the described location.
6. Land, land values, lawns, trees, shrubs, plants, crops, or animals.
7. Accounts, bills, coins, currency, deeds, evidences of debt, medals, money, stored value cards, postage stamps, securities, buillion, manuscripts, or other valuable papers
8. Underground structures and equipment, including wells, septic tanks, and septic systems
9. Walkways, decks, driveways, patios, and other surfaces, all whether protected by a roof or not, located outside the perimeter, exterior walls of the insured building or the building in which the insured unit is located
10. Containers, including related equipment, such as but not limited to, tanks containing gases or liquids
11. Buildings or units and their contents if more than 49 percent of the actual cash value of the building or unit is below ground, unless the lowest level is at or above the base flood elevation and is below ground by reason of earth having been used as insulation material.
12. Fences, retaining walls, seawalls, bulkheads, piers, bridges, and docks
13. Aircraft or watercraft, or their furnishings and equipment
14. Hot tubs and spas that are not bathroom fixtures, and swimming pools
15. Property not eligible for flood insurance pursuant to the provisions of the Coastal Barrier Resources Act.
16. Personal property you own in common with other unit owners comprising the membership of a condominium association

1. Loss of revenue or profits
2. Loss of access to the insured property or described location
3. Loss of use of the insured property or described location
4. Loss from interruption of business or production
5. Any additional living expenses incurred while the insured building is being repaired or is unable to be occupied for any reason
6. The cost of complying with any ordinance or law requiring or regulating the construction, demolition, remodeling, renovation or repair of property, including removal of any resulting debris, except for eligible activities covered under the Increased Cost of Compliance
7. Any other economic loss

1. The building must be a single-family dwelling
2. The building must be your primary residence, meaning you live there at least 80% of the year
3. The building coverage is at least 80% of the full replacement cost of the building, or is the maximum amount available for the property under the National Flood Insurance Program.

The entity made up of the unit owner responsible for the maintenance and operation of:

1. Common elements owned in the undivided shares by unit owners
2. Other real property in which the unit owner have use rights, where membership in the entity is a required condition of unit ownership

1. Mobile home coverage Section A- applies to the building (mobile home), attached structures, utility tanks, and permanently installed items, such as appliances, dressers and cabinets, floor coverings, and similar property if installed on a permanent basis. A home must have a minimum footprint of 10 by 40 feet to be covered.
2. Mobile home coverage Section B- for other structures is similar to the homeowners form.
3. Mobile home coverage Section C- for personal property generally is written with a limit equal to 40% of Coverage A rather than the 50% specified for homeowners coverage.
4. Mobile home coverage Section D- loss of use is 20% of Coverage A
5. The pair and set clause is expanded to include panels as a series of pieces or panels.
6. Removal coverage is expanded to provide up to $500 for reasonable expenses incurred in moving the mobile home when threatened by a covered peril.
7. The ordinance or law additional coverage (to cover increased costs of repair or reconstruction resulting from zoning laws or building ordinances that require upgrades after a loss) does not apply to mobile home policies.

1. It provides coverage for smaller boats used on inland waterways.
2. Coverage is provided for physical damage (to the insured boat) only.

1. Other coverages that can be added to include damage caused by windstorm, flood, and collapse of a building.
2. Shoring, which can be caused during a windstorm or bad weather.

1. Coverage is provided for the hull, sails, spars, tackle, machinery, boats, and furniture on a yacht.
2. Coverage may also be extended to cover a boat trailer.