Do You Have Flood Insurance ?

Discussion in 'Garden Pond Talk' started by Nyboy, Jun 29, 2017.

  1. Nyboy

    Nyboy

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    Because I have a natural body of water on property my mortgage company makes me carry Flood insurance. Because I did not bother to they purchased a policy for me. Policy is a joke nothing but building is covered. A very small creek runs about 8 feet from house ( grandfathered never allowed today) No way unless it rains for 40 days and nights can this creek damage building, but it can overflow banks and cause water damage to furniture in a once every 100 year flood. Does anyone have flood insurance that covers interior furnishing or is regular home owner suppose to cover that ?
     
    Nyboy, Jun 29, 2017
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  2. Nyboy

    sissy sissy

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    Every house I owned in NJ had to have flood insurance and no water with in miles of the house but they said since the first house was in a congested area I had to have in .Houses there were all on small lots in Iselin and then house in Edison was because it was on the low side of all the lots .Here in VA I had the option since I was up on a hill and it also covers things like backed up toilets and dishwasher leaking ,hot water leak or burst pipes .It is only 25 dollars a year so why not .The you never know can happen
     
    sissy, Jun 29, 2017
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  3. Nyboy

    Nyboy

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    Mine covers none of that and is over $400 a year. Can I ask what company your insurance is with ?
     
    Nyboy, Jun 29, 2017
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  4. Nyboy

    MoonShadows The Jam Man

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    No flood insurance here. If we flood, I expect to see Noah's Arc right after that. We do, however, have earthquake insurance, and, while I can't remember how much it is a year, I think it is only about $30 to $40.
     
    MoonShadows, Jun 29, 2017
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  5. Nyboy

    sissy sissy

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    I have Breathern out of Baltimore Maryland .Home owners and car insurance from them plus towing and labor on my 3 cars for 68 dollars a year .Last time hubby's truck was towed they paid almost all of the repair bill except for 25 dollars and it was over 6 hundred dollars and towing was 75 dollars and they paid .
     
    sissy, Jun 29, 2017
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  6. Nyboy

    sissy sissy

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    homeowners is is 450 a year for full coverage 300 thousand on house and another 250 thousand on contents and auto just went up to 690 dollars because of new car it was 390 dollars before that .They are like farm insurance and only sell in certain states
     
    sissy, Jun 29, 2017
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  7. Nyboy

    Nyboy

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    wow going to check them out. Only deal I get is on antique truck $159 a year.
     
    Nyboy, Jun 29, 2017
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  8. Nyboy

    Nyboy

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    Must be NY when I went to Breathern I filled out info forum for quote. Over $500 for cheapest coverage.
     
    Nyboy, Jun 29, 2017
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  9. Nyboy

    Jimmy Gibson

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    Flood insurance I don't worry about because if I get flooded better be looking for Noah Jr...... Earthquake insurance..... Since I live on the New Madrid fault I refuse to pay the price they want...... I figured it this way, if the big one comes and Sarah and I survived it, I am sure the government will come in and help me out..... Yeah right..... Taking my chances on the big one..... Lol Jimmy
     
    Jimmy Gibson, Jun 29, 2017
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  10. Nyboy

    sissy sissy

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    Could be because rates would be higher in more populated places and maybe more of a risk also
     
    sissy, Jun 30, 2017
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  11. Nyboy

    Nyboy

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    Everything is more expensive in NY. The closer to Manhattan more money
     
    Nyboy, Jun 30, 2017
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  12. Nyboy

    sissy sissy

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    It was not much better in NJ .I had an acre of land with a house before I retired here and taxes there 11 thousand a year taxes here 3+ acres and around a thousand a year .Other house in Pittsville VA almost 12 acres and it is 422 dollars a year .Just got my tax bills
     
    sissy, Jun 30, 2017
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  13. Nyboy

    MoonShadows The Jam Man

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    That's why we moved to the Poconos (22 years ago today!). We couldn't afford a house or taxes in NY or NJ. Up here, both were low...not anymore. This area has grown so congested since we moved up here.
     
    MoonShadows, Jun 30, 2017
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  14. Nyboy

    sissy sissy

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    The only reason my taxes went up is because of improvements and size of house .My house is the largest house in the development and is listed as a view lot .It started out being taxed at a little over 400 dollars .But then guest house ,2 decks and deck on guest house and then 100 foot long front covered porch and then carport made it all go up .Sad you make it look good and they tax you .When I moved here I had a house and dirt
     
    sissy, Jun 30, 2017
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  15. Nyboy

    Nyboy

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    This is todays quote upload_2017-6-30_14-26-50.png
     
    Nyboy, Jun 30, 2017
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  16. Nyboy

    Nyboy

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    This quote based on what left on mortgage not value of house
     
    Nyboy, Jun 30, 2017
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  17. Nyboy

    sissy sissy

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    You must be near to water for it to be that high or the claims in that zone area must be a lot of them ..I know here it is cheaper but if you live with in the city limits of Danville it is higher because of the dan river floods over the past couple of years and lots of claims
     
    sissy, Jun 30, 2017
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  18. Nyboy

    tbendl T

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    I have had luck with both Selectiva and Assurant for my flood insurance.
     
    tbendl, Jun 30, 2017
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  19. Nyboy

    addy1 water gardener / gold fish and shubunkins Moderator

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    We are on a hill, water runs away from us! Just got a storm it was raining at the rate of 12.85 inches a hour! Buckets coming down.
     
    addy1, Jul 2, 2017
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  20. Nyboy

    Stephen T.

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    We're 65' above a lake in an area with 17" of moisture a year, mostly snow. The only way we could flood is if Crater Lake broke. If that happened we'd have a wall of water several hundred feet high and I doubt that flood insurance would help! I seriously doubt that will happen anytime soon though!

    This is a beautiful area, but low income and cheap living. Our taxes are about $350 a year. Our HOA provides very good water, basically unlimited usage, included in our $200 a year HOA fee. They also plow the roads in the winter. A good place to retire on a very limited income, if you don't mind the winters.
     
    Stephen T., Jul 2, 2017
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