Through several markets, the following additional Flood Insurance coverages are available. They are available for agents enrolled in the flood program.

Coverages Offered:

• Excess Flood Insurance (over the NFIP maximum limits)
• Insurance for NFIP Non-Participating Communities
• Insurance for CBRA & OPA areas

Excess Flood Insurance
Coverage provisions under the excess flood policy are the same as the NFIP standard policy.

Policy Limits: (excess the maximum NFIP limits)

• Property Coverage: Up to $15,000,000 in all states
• Contents Coverage: Up to $1,000,000
• No Commercial Contents Coverage Excess

Flood Rates:

• V Zones (refer to underwriting for rates and underwriting requirements)
• A Zones 175% of the NFIP Additional Rate
• All other Zones 135% of the NFIP Additional Rate

Non-Participating Communities
Coverage provisions are the same as the NFIP standard policy except no ICC coverage option.

Eligible Properties:

• Residential Dwellings (1-4 units only)
• Condominium units & Townhouses

Coverage Limits:

• BUILDING
  Minimum Coverage: $50,000
  Maximum Coverage available: $250,000
  Coverage must be 80% of dwelling replacement value
• CONTENTS
  Minimum Coverage $5,000
  Maximum Coverage 25% of dwelling coverage not greater than $25,000

Rates: $.80 all Non V zones. (V Zones are not eligible for coverage)

"CBRA" & "OPA" Areas
Coverage provisions are the same as the NFIP standard policy except no ICC coverage option.

Eligible Properties:

• Residential Properties (1-4 units only)
• Condominium Units and Townhouses

Coverage Limits:

• Building up to $250,000
• Contents up to $100,000

Rates:

• V zones $3.00
• A Zones $1.25
• All other Zones $1.00

For more information:

Contact Hartford Flood at 866-55FLOOD