Your homeowners policy protects you from many disasters. But, like nearly all homeowners policies, it does not cover floods. Do you need flood insurance?

About 90% of all natural disasters involve flooding. Floods can occur anywhere. In fact, 25% of flood insurance claims are in low risk areas.

This problem is so severe, Congress authorized the National Flood Insurance Program to provide subsidized protection for property owners. This insurance, offered by The Hartford to AARP members, costs very little compared to the potential cost of replacing your home and possessions.

Depending on your home's construction and location, you may qualify for a Preferred Risk Policy. The majority of our customers do. If so, your annual premium could be:

Coverage on Home/Possessions		Annual Premium
	$20,000/$8,000	$112
	$50,000/$20,000	$180
	$100,000/$40,000	$233
	$150,000/$60,000	$264
	$250,000/$100,000	$317

If your home has a basement or enclosure, prices quoted above will increase from $25 - $35. Other coverage selections are available.