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Flood Guard

Admitted-Residential Flood Insurance

An affordable homeowners companion policy for flood damage

Available in  Arizona, California, Illinois, Indiana, Nevada, Oklahoma, Oregon, Pennsylvania, South Carolina, and Utah

(Additional States Coming Soon)

 

Are you prepared for the next flood?

 

NATIONAL FLOOD INSURANCE MAY BE INADEQUATE

Flood Guard can fill the gap by providing primary and excess coverage up to $5,000,000 in dwelling coverage.

DISPLACEMENT FROM A FLOOD

Flood Guard will pay up to $50,000 in Loss of Use coverage for living arrangements for you and your family while your home is repaired.

 

Who benefits from this product

flood logo

Flood Guard is ideal for homeowners who may or may not have an existing NFIP policy (National Flood Insurance Program), but are looking for a more affordable and flexible flood insurance alternative.


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Available in all NFIP-designated flood zones. Flood Guard is also ideal for those homeowners who are concerned about flood hazard and would like to purchase affordable primary or excess flood coverage.

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Coverage Highlights

 

Coverages & Guidelines Prospect General Flood Guard NFIP
Elevation Certificate

Not required

May be required
Coverages (A la carte)
        Dwelling Coverage Limit up to $5,000,000 Limit up to $250,000
        Personal Property Limit up to $1,000,000 Limit up to $100,000
        Artwork, photographs, collectibles, jewelry etc. Same as NFIP Sub-limit up to $2,500
        Loss of Use Up to $50,000 N/A
Other Coverages (Sub-limit)
        Debris Removal $500K or Cov. A limit (whichever is less) Up to $250,000
        Loss Avoidance Measures Same as NFIP $1,000
        Increased Cost of Compliance Same as NFIP  $30,000
Replacement Cost Value Optional Endorsement N/A
Deductible Fixed Deductible as low as $500 (single-site) Fixed Deductible as low as $1,000
Waiting Period None (Subject to Weather Moratorium) 30 Days
Eligibility
        Occupied Must be Occupied (By Owner or Tenant) Year-Around Primary and Non-Primary Residence
        Claims History No Flood Claims in the past 10 years Subject to Repetitive Loss Surcharge
Rating Proprietary Rating System Based on NFIP Flood Zone
Accepted by Mortgages Same as NFIP Yes
Excess Policy Option Yes N/A

 

Property Features Guidelines
Acceptable Occupancies 1 – 4 unit family dwellings
Restrictions No flood loss in 10 yrs., and no flood loss excess of $150,000
No mobile or manufactured homes
No homes located in, on, over water, or seaward of mean high tide

 

Flood Guard is exclusively available with Prospect General

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Flood Guard

November 30, 2016

By Alexa Evans

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Prospect General Insurance Agency, Inc.

7979 Ivanhoe Ave, Suite 555
La Jolla, CA 92037

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