Flood Insurance in Des Moines Iowa

National Flood Insurance Program

Flood insurance is through federal government

Government controls rates

Rates generally are much higher

Claims are handled through government

Dwelling coverage only goers to $250k

Contents coverage only goes to $100k

Replacement cost is an additional cost

Required on government loans

          Private Flood Insurance

Flood insurance is through private insurance company

Insurance company controls rates

Claims are handled through government

Dwelling coverage goes to $10 million

Contents coverage goes t0 $1 million

Replacement cost is included

Available on non traditional loans and properties with no mortgage

                                                            

                     Has Your Flood Zone Changed? Learn What the Options are By Filling Out the Form Below