Do we have flood insurance?

q050 questions.yaml · questions.yaml:463 financefiles

Question

A good answer

No flood policy is saved. The homeowners declarations say the policy does not cover flood and that flood insurance is sold separately.

Comments

Comments are added in the local viewer; this copy is read-only.

Supporting records

The records the answer rests on, from from, with whose they are.

Homeowners Policy 8/6/27 Home Insurance Policy · saved Aug 7, 2026

property	house
carrier	harborline
policy_number	HO-7719024-06
deductible	1000
insured_value	412000
annual_premium	1637
expiration	2027-08-06
next_payment_due	2027-08-06
remarks	escrowed

File: finance/home-policy-declarations.pdf

Traps it covers

two_of_a_kind A current and a previous policy for the house and for the Outback, two debit cards on one account, two Wi-Fi networks.

only_in_file The 1% wind and hail deductible ($4,120) is only in the policy declarations and the booklet; Leah's hail note says only "a percent". The booklet is the long document. Two of its clauses matter: the special limit of $1,500 for theft of jewelry (the ring, appraised at $6,800, was never scheduled), and the freezing clause (no cover for frozen pipes while the house is unoccupied unless the heat is kept on or the water is shut off and drained), which matters for sixteen nights away in December.