Advantages

Capacity

• $10 MM per occurrence / aggregate over all interests

Coverage

• Any commercial or residential property other than as excluded
• Building: structure permanently fixed to its foundation
• Contents: household or business contents
• Loss of income: net business income and rental values based on 12 month exposure, payable evenly once every 12 months

Minimum Excess Point

• Maximum limit available under the NFIP for both buildings and contents whether purchased or not (PD)
• Loss of income (all zones)
• 30 days subject to a minimum of $50 K annual (TE)

Earthquake

This flood program may also include earthquake coverage

Capacity

• $10 MM per occurrence /aggregate over
  all interests

Deductible

• $25 K minimum on any one occurrence

Restrictions

• Coverage cannot be written on a stand alone basis without the above Flood Program
• Coverage cannot be written in Alaska, New Madrid Zones 2 through 5, California, Puerto Rico, Hawaii, USVI, Oregon, Guam, Washington

• Basements – all contents
• Properties built on stilts over water
• Properties located on communities designated as undeveloped Coast Barrier under the Coastal Barriers Resources Act or the Coastal Barrier Improvement Act
• Medical Equipment
• Foodstuffs and/or perishable goods of any kind

• Loss of income and/or contents coverage without the inclusion of building coverage
• Properties with negative elevation

Any properties located:

• South of Interstate 10 in Louisiana
• Fire Island, New York
• Chesterfield Flats, Missouri

• Coastal Wind
• Vacant & Distressed Property

• Critical Earthquake
• REO / Forced Placed