PREFERRED RISK POLICY
The Preferred Risk Policy (PRP) is available only in the B, C, and X Zones. Only one building can be insured per policy, and only one policy can be written on each building.

The PRP is not available in the Emergency Program or in Special Flood Hazard Areas.

A PRP may not be available if the building has sustained previous flood damage. 


ONE TO FOUR FAMILY RESIDENTIAL
Building and Contents Coverage Combinations


With Basement/Enclosure
Building       Contents      Premium2,3
$ 20,000       $ 8,000         $137
$ 30,000       $12,000         $163
$ 50,000       $20,000         $205
$ 75,000       $30,000         $232
$100,000       $40,000         $263
$125,000       $50,000         $279
$150,000       $60,000         $294
$200,000       $80,000         $331
$250,000      $100,000         $352



Without Basement/Enclosure
Building       Contents      Premium2,3
$ 20,000       $ 8,000         $112
$ 30,000       $12,000         $138
$ 50,000       $20,000         $180
$ 75,000       $30,000         $207
$100,000       $40,000         $233
$125,000       $50,000         $249
$150,000       $60,000         $264
$200,000       $80,000         $296
$250,000      $100,000         $317
Note:
1 Add the $50.00 Probation Surcharge, if applicable.
2 Premium includes Federal Policy Fee of $11.00
3 Premium includes ICC Premium of $1.00, Deduct $1.00 if townhouse/rowhouse condominium unit.
4 Contents-only policies are not available for contents located in basements only.

NOTE: Building deductible: $500; Contents deductible: $500;
The deductibles apply seperately to building and contents. 


NON-RESIDENTIAL



With Basement/Enclosure
Building       Contents      Premium2,3
$ 50,000       $50,000         $800
$100,000      $100,000       $1,375
$150,000      $150,000       $1,850
$200,000      $200,000       $2,200
$250,000      $250,000       $2,500
$300,000      $300,000       $2,800
$350,000      $350,000       $3,100
$400,000      $400,000       $3,350
$500,000      $500,000       $3,850



Without Basement/Enclosure
Building       Contents      Premium2,3
$ 50,000       $50,000         $500
$100,000      $100,000         $800
$150,000      $150,000       $1,050
$200,000      $200,000       $1,300
$250,000      $250,000       $1,500
$300,000      $300,000       $1,700
$350,000      $350,000       $1,850
$400,000      $400,000       $2,000
$500,000      $500,000       $2,300
Note:
1 Add the $50.00 Probation Surcharge, if applicable.
2 Premium includes Federal Policy Fee of $11.00
3 Premium includes ICC Premium of $1.00, Deduct $1.00 if townhouse/rowhouse condominium unit.
4 Contents-only policies are not available for contents located in basements only.

NOTE: Building deductible: $500; Contents deductible: $500;
The deductibles apply seperately to building and contents. 


ALL RESIDENTIAL CONTENTS ONLY COVERAGE



Contents Above Ground Level More Than One Floor
Contents      Premium2
  $8,000          $39
 $12,000          $53
 $20,000          $81
 $30,000          $93
 $40,000         $105
 $50,000         $117
 $60,000         $129
 $80,000         $153
$100,000         $177



All Other Locations (Basement-Only Not Eligible)
Contents      Premium2
  $8,000          $61
 $12,000          $86
 $20,000         $116
 $30,000         $131
 $40,000         $146
 $50,000         $156
 $60,000         $166
 $80,000         $181
$100,000         $196
Note:
1 Add the $50.00 Probation Surcharge, if applicable.
2 Premium includes Federal Policy Fee of $11.00
3 Premium includes ICC Premium of $1.00, Deduct $1.00 if townhouse/rowhouse condominium unit.
4 Contents-only policies are not available for contents located in basements only.

NOTE: Building deductible: $500; Contents deductible: $500;
The deductibles apply seperately to building and contents. 


NON-RESIDENTIAL CONTENTS ONLY COVERAGE



Contents Above Ground Level More Than One Floor
Contents      Premium2
   50,000         $121
 $100,000         $231
 $150,000         $321
 $200,000         $381
 $250,000         $441
 $300,000         $501
 $350,000         $561
 $400,000         $621
 $500,000         $741
 


All Other Locations (Basement-Only Not Eligible)
Contents      Premium2
   50,000         $275
 $100,000         $500
 $150,000         $675
 $200,000         $850
 $250,000       $1,000
 $300,000       $1,150
 $350,000       $1,300
 $400,000       $1,450
 $500,000       $1,700
Note:
1 Add the $50.00 Probation Surcharge, if applicable.
2 Premium includes Federal Policy Fee of $11.00
3 Premium includes ICC Premium of $1.00, Deduct $1.00 if townhouse/rowhouse condominium unit.
4 Contents-only policies are not available for contents located in basements only.

NOTE: Building deductible: $500; Contents deductible: $500;
The deductibles apply seperately to building and contents.

Return to Insurance Rates Homepage

Source: NFIP
NFIP Rates Effective: 05/01/07
Last Updated: 05/01/07