https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 07 May 2026 19:07:05 +0000 https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2800012 Fri, 26 Jan 2018 14:34:32 +0000 Mrsbells 2800012@https://boards.hellobee.com/ <p>Thanks everyone thats helpful </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799876 Fri, 26 Jan 2018 10:06:24 +0000 Mamatimes3 2799876@https://boards.hellobee.com/ <p>@Mrsbells: I was born and raised in New Orleans, so I actually thought everyone was required to have it. I didn’t realize until later that wasn’t the case. Lol. Anyway, my home was damaged in the Louisiana floods in August 2016. We had the max coverage of $250k for Home and $100k for contents. We were in a flood zone so it was required. Our new home is not in a flood zone and the same coverage costs $450 a year. Totally worth it! Some things we learned are that it covers contents inside the home including what is in a shed. </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799847 Fri, 26 Jan 2018 07:02:36 +0000 mrsjd 2799847@https://boards.hellobee.com/ <p>We have it. We live in the city of New Orleans so it’s a no brainer. </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799834 Thu, 25 Jan 2018 22:34:29 +0000 Mrsbells 2799834@https://boards.hellobee.com/ <p>thanks everyone, for us its gonna cost about 450 but I believe the peace of mind will be worth it. </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799818 Thu, 25 Jan 2018 21:12:45 +0000 Bluebonnet 2799818@https://boards.hellobee.com/ <p>We have flood insurance and always have (even though we’ve never lived in a flood plain). Texas weather is crazy and flood insurance (if you don’t live in a flood plain) is affordable. It just makes sense to me.</p> <p> @rattles: during Harvey, I absolutely had the same thought about how flood insurance was the best money I spent all year. </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799800 Thu, 25 Jan 2018 17:30:14 +0000 DesertDreams88 2799800@https://boards.hellobee.com/ <p>We don't. We have a very restricted budget. We also live in Phoenix, AZ. Three years ago we had a "500-year flood event" and our house was not even close to being touched. So if *that* event didn't get us, I'm crossing my fingers. </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799798 Thu, 25 Jan 2018 17:18:50 +0000 Jennibenni 2799798@https://boards.hellobee.com/ <p>We have it. It is pretty cheap if you’re not in a flood zone and for me totally worth the peace of mind. It was about $300 for the year. </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799792 Thu, 25 Jan 2018 16:35:51 +0000 Mrsbells 2799792@https://boards.hellobee.com/ <p>@Miss Ariel: oh I see, thanks<br /> @rattles: wow I cant imagine how stressful that must have been! </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799789 Thu, 25 Jan 2018 16:16:42 +0000 Miss Ariel 2799789@https://boards.hellobee.com/ <p>@Mrsbells: I think you can get more but it would be a separate policy. </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799787 Thu, 25 Jan 2018 16:12:55 +0000 rattles 2799787@https://boards.hellobee.com/ <p>We have the maximum flood insurance through the NFIP ($250k building/$100k possessions coverage). We've never lived in a floodplain but did end up under mandatory evacuation during Harvey. The insurance was the only thing that kept me marginally sane during that week. Flooding stopped at the end of our street and so we never needed to file a claim on it, but it's definitely the best $400 I spent last year. </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799786 Thu, 25 Jan 2018 16:12:02 +0000 Mrsbells 2799786@https://boards.hellobee.com/ <p>@Miss Ariel: thanks thats helpful. yes we were told the max building coverage was 250k </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799784 Thu, 25 Jan 2018 16:10:29 +0000 Miss Ariel 2799784@https://boards.hellobee.com/ <p>@Mrsbells: we actually lost our home to the Louisiana flooding in 2016. (We had about 3 feet of water inside.) Thankfully we were in a flood zone and had coverage but we know a lot who didn't.</p> <p>Since then we bought a new house, not in a flood zone, but made sure to buy coverage. Not being in a flood zone, it's relatively cheap.</p> <p>We bought the maximum building policy that didn't require a supplemental coverage (I think it covers $250k). In addition we bought contents coverage (I think $50k?). We had no idea our first house policy didn't have contents coverage which meant we were only covered for the building itself. </p> https://boards.hellobee.com/topic/do-you-have-flood-insurance#post-2799780 Thu, 25 Jan 2018 15:52:05 +0000 Mrsbells 2799780@https://boards.hellobee.com/ <p>We have been thinking about this more lately since our friends were affected by Hurricane Harvey in the suburbs of greater houston. Their home wasnt in a flood zone or high risk area but ended up getting affected.<br /> I just wondered for those that do have flood insurance do you get the maximum building coverage or do you go a little bit lower. We are trying to decide what option we want. </p>