Homeowner's Policies do not generally include protection against flooding. But flood insurance is available.

Nassau County participates in the National Flood Insurance Program, which helps keep flood insurance at reasonable rates. The federal government maps each participating community to determine those areas more susceptible to flooding. Ratings are assigned to all areas of the county.

Zones rated "X" are considered to have a low probability of flooding. Flood insurance rates for these areas are displayed below.

Most Homeowner's Policies provide protection against damage caused by windstorms and hail. Most also provide protection against damage by hurricanes. However, very few companies will provide wind or hurricane protection if your home is within 1,000 feet of the ocean. For homes within this area, Florida Windstorm Underwriting Association can provide protection.

Special Note on Hurricanes: Most insurance companies will not write a policy for your home if there is a hurricane within a designated area. If you have a closing scheduled and a hurricane is active, check with us to be sure insurance can be written.

ALSO: Many insurance companies require higher deductibles for hurricane damage such as 2% to 5% of the amount of your dwelling coverage. We have companies that allow deductibles as low as $500.

HO3
Regular Home Owner's Policy. Protects the home you own and live in. Provides coverage for the dwelling, other structures (like a storage building, pump house or detached garage), and your personal property (contents).

Also, provides liability protection and medical payments coverage in the event someone is injured on your property.

HO4
Renter's or Tenant's Policy. Provides protection for your personal property when you are living in a rented house, condo, apartment or mobile home.

Can also provide liability protection and medical payments coverage in the event someone is injured on the premises.

HO6
Condo Owner's Policy. Provides protection for your personal property if you own a condo. Also, provides coverage for that portion of the building for which you are responsible (usually referred to as "from bare walls in").

Liability protection and medical payments coverage can also be included.

HO8
Specialty Homeowner's Policy. This type of policy is generally used to provide protection for older homes, which may not meet qualification requirements for an HO3 policy.

Coverages available are more limited than a regular Homeowner's policy.

DP3
Dwelling Fire Policy. Protects a home you own but rent to others, including condos and mobile homes. Covers the dwelling and other structures on the property. Contents coverage is available, as is liability and medical payments protection.

Mobile Homes
Mobile Homeowner's Policies include policies similar to the HO3, HO4, and DP3.

Bodily injury Liability
Pays for the other party's medical bills when you are at fault in an accident (after their Personal Injury Protection is first used).

Minimum limits are $10,000 per person, $20,000 per accident.

Property Damage Liability
Pays for the other party's vehicle or property when you are at fault in an accident. Mnimum limit is $10,000 per occurrence.

Personal Injury Protection
Pays for 80% of your medical bills, 60% of your lost wages, and $5,000 in death benefits and special services.

Optional extended coverage pays 100% of your lost wages, and $5,000 in death benefits and special services.

State requires $10,000 minimum limit.

Medical Payments
Pays for medical bills not covered by PIP for you or anyone in your car.

Minimum limit is $500 per person.

Uninsured/Underinsured Motorist
Pays for your medical bills, including loss of wages, when the other party is at fault and has no insurance or is underinsured.

Minimum limits are $10,000 per person, $20,000 per accident. Often, limits are set to match Bodily Injury limits.

Collision
Pays for your repairs to your vehicle (less the deductible) from collision or upset.

Limit is the Actual Cash Value (ACV) of your vehicle. Deductibles usually vary from $0 to $1,000.

Comprehensive
Pays for the repairs to your vehicle (less the deductible) from fire, theft, vandalism, lighting, glass breakage, etc.

If you have a comprehensive deductible, it will not apply to breakage to the windshield.

Towing & Labor
Pays toward a towing bill if your vehicle breaks down or is disabled. Usually covered at $25, $50 or &75 per towing bill. This coverage is not available on vehicles with no Collision and Comprehensive coverage.

Rental Reimbursement
Pays towards a rental car if your vehicle is disabled by a collision or comprehensive loss and is out of service for more than 24 hours. Most common limits are $15/day, $450 max; $20/day, $600 max; or $30/day, $900 max. This coverage is not available on vehicles with no Collision and Comprehensive coverage.

Coverage for Loss to the Undamaged Portion of the Building
Pays for the loss of value of an undamaged portion of the existing building which must be demolished and/or removed to conform with municipal ordinance, code, etc.

Demolition Cost
Pays for the cost of demolition of the undamaged portions of the building necessitated by the enforcement of building, zoning or land use ordinance or law.

Increased Cost of Construction
Pays for any increased expenses incurred to replace the building with one conforming to building laws or ordinances, or to repair the damaged building so that it meets the specifications of current building laws or ordinances.