It depends on the home, the limits you need, and the terms. Comparing both with an advisor is the clearest way to decide.
Related FAQs
New NFIP policies typically begin 30 days after purchase. Some private options may differ. Plan ahead rather than waiting for a storm.
Home policies generally exclude flood. Certain water damage from inside the home may be covered, but rising external water usually is not.
The state does not generally require it, but a lender often requires it for homes in high-risk flood zones. Owners elsewhere may still choose it.
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