Save Money with a Preferred Risk Policy

The Preferred Risk Policy is a lower-cost option covering buildings and contents in low-to-moderate risk areas. It is available for both residential and commercial properties and covers both your home and its contents for one combined price, with the same coverage limits as standard flood insurance policies.

To qualify for a Preferred Risk Policy, your building must be in a low-to-moderate risk flood zone and have had minimal losses.

Residential Preferred Risk Policy premiums start as low as $119 per year for building and contents coverage.

Commercial premiums start at $550 per year for combined building and contents coverage, or $145 per year for contents only.

Your policy premium will be based on a number of factors, including your risk level and the amount of coverage you want. To find your risk profile, fill out the 1-Step Profile on the left side of this page.

Preferred Risk Policies

• Low-to-moderate risk residential
• Low-to-moderate risk non-residential