YES, RENTERS CAN BUY FLOOD INSURANCE
[https://www.fema.gov/press-release/20210318/yes-renters-can-buy-flood-insurance-0]


Release Date: 
Tháng 8 22, 2019 

Austin, Texas – Flood insurance isn’t just for homeowners and
businesses. If you are a renter, you can get a policy from the
National Flood Insurance Program (NFIP) to cover your belongings,
including clothes, furniture and electronics.

 

Flood insurance for renters covers your personal property during a
flood while a traditional renters policy does not. The cost of the
policy is based on several factors including the building’s flood
risk.

 

If you are a renter in low-to-moderate risk areas, you may be eligible
for a Preferred Risk Policy. These policy premiums are the lowest
premiums available through NFIP. Nearly 26% of all NFIP flood claims
occur in the low-to-moderate risk areas.

 

If you live in an area that is in a special flood hazard area or
floodplain, standard rated policies are available. Ask an insurance
agent to give you a quote for maximum coverage and lower levels of
coverage to find a level of coverage you can afford.

 

Renters flood insurance premiums are calculated based on factors such
as:

	* Year of building construction
	* Building occupancy
	* Number of floors
	* The location of your contents
	* The flood risk (i.e. flood zone)
	* The location of the lowest floor in relation to the elevation
requirement on the flood map (in newer buildings only)
	* The deductible you choose and the amount of coverage
 

For more information about an NFIP policy, call 800-427-4661 or your
insurance agent and visit
https://www.fema.gov/national-flood-insurance-program.

 

For further information on the Texas recovery, visit the South Texas
disaster web page at www.fema.gov/disaster/4454
[http://www.fema.gov/disaster/4454], the FEMA Region 6 Twitter account
at www.twitter.com/FEMARegion6 [http://www.twitter.com/FEMARegion6] or
the Texas Division of Emergency Management website at
https://www.dps.texas.gov/dem.