Should I get flood insurance?
491372
It helps if you know which flood zone you are in.  Try the FEMA website, go to the flood map store and type in your address.  This will tell you if you are in the 500 year flood plain, the 100 year flood plain, or outside of the floodplain altogether.
616511
I just heard on the news this morning that hurricane season is once again upon us. They did say that it shouldn't be as bad as last year though.\n\nI don't know how the people that live in these areas do it...they really have to love where they're at to continue to live in the hurricane zones and rebuild or evacuate or whatever comes along. \n\nPersonally I am not that flexible with my life. I like stability and security.  Even if the insurance does cover the loss of the actual building and contents..you can never replace or put a value on your possessions or your life. \n\nI think the predictions hold some merit. They are just that...predictions,but I would definitely think twice before building in that area. Not the life for me.
467514
Good question.  I hope you have earthquake insurance because regular insurance don't cover acts of war and natural disasters.  \n\nYou have to keep paying your mortgage.\n\nRead your policy.  \n\nInsurance lists on your policy/ or declaration page a mortgagee clause.  That is the place that holds a lien on your property.  Your insurance will pay it off providing you have enough insurance to cover your mortgage.\n\nThis is why the people in New Orleans are screwed.  Most of them didn't have flood insurance and they are claiming that the hurricane didn't damage homes it was the flooding when the levees broke.
398321
I think its a great idea, but make sure you get the proper insurance for the business.  If you accidentally damage someones car you'll want to be protected.
1177540
honestly you should never buy any type of insurance without sitting down with someone that way you have a much better chance of NOT getting screwed. good luck
186775
Definetly, it is very affordable. While you may never have to use it, the minute you do it will become worth it, you will be so thankful you had it. No one plans on a fire or a flood. It is not only your apartment you are responsible for either, should you leave the oven on and burn the whole place down you are responsible for all the damge. I am sure you would feel alot better knowing that insurance would cover it. Being in an apartment you are probably just starting out or trying to safe money. Don't leave the door open for all your hard work to be taken away from you because of one accident. Please take the safe route and get insurance, should something happen you will be forever thankful. Good Luck, enjoy your apartment! -Michael
1169195
coverage for the dwelling, other structures, personal property. loss of use of the propetry  I also have windstorm and hail storm coverage with a $500 deductible.
247211
As long as there are hurricanes, tornados, earthquakes, and floods, there will be insurance and people who calculate the insurance rates.\n\nSame goes for car accidents, house fires, etc.\n\nThere also the special insurance -- Insuring the golf tournament that guarantees $1 million for a hole in one, etc.
155530
You should check to see if there is a state run high risk pool.\nIf there is you can get either subsidized rates or a rate limit, either way helps you spread the fact that you are high risk to the rest of the overall population.
781708
Think twice about it, it will be 30 times the labor that you think, your insurance will go through the roof and by law you need to have bathrooms, handicap available in most states, people stiff you for board and if you get a load of bad hay, you don't want to go there.\nIt is a great and noble idea, just know the laws in your state and district and know that your life as you know it will forever be changed.
1002112
They happen so quickly, there's not a lot you can do in the moment.\n\nBut!  You can pick a place to live that's out of the danger zone appropriately.  You can live on a lake or river, as long as your house is out of the way of known flood zones (for instance, on a man-made lake, make sure your're house is higher in altitude than teh top of the spillway.  That'll make it as safe as you can.
247076
If you're single I can't imagine why you would want life insurance, unless you KNOW you will start a family someday.  An annuity may be alright later in life but if your young there are better ways to save for retirement.
192601
I don't know, but beware of the water damaged car that have shown up for sale as intact.  If the price is too good to be true it may be flood damaged.
1185354
Perhaps it would help if you were to enlighten me.  I've never heard of "engineering insurance."  Do engineers need special insurance?
1151958
Try the company that has your home owners insurance or renters insurance
1073058
It might make people think it is prone to flooding.
720285
Get in on an insurance plan. :)