WELCOME TO: 4 ALL INSURANCE.COM and BIMEH ARZAN.COM

Feature

NFIP

NCIP

Limit to $1,000,000

No

Yes

$1,000,000 primary

Limit over $1,000,000

No

Yes

$4,000,000 in-house authority

Covers Earthquake?

No

Yes

Covers Flood?

Yes

Yes

Covers Landslide?

No

Yes

Deductible for Earthquake?

No coverage

$2500 or 5% of Dwelling

Optional Deductible – NCIP only

Deductible for Flood?

$500

$1000 or 5% of Dwelling

Optional Deductible – NCIP only

Deductible for Landslide?

No Coverage

$1000 or 5% of Dwelling

Optional Deductible – NCIP only

$1000 Flood Deduct in Zone A?

Yes

Yes

Higher rate required for NCIP

Replacement cost on Dwelling?

Yes

Yes

Replacement cost on Contents?

No

Yes

"New for Old"

Specified amount for Contents?

No

Yes

Similar to Homeowners-NCIP

Specified amount for Appurtenant?

No

Yes

Similar to Homeowners-NCIP

Age limit on Dwellings?

No

No

Require Annual Application?

No

No

Pay on commission basis?

Yes

Yes

Renewal commission?

Yes

Yes

Direct Bill on Renewal?

No

Yes

Increased Cost of Materials

No

Yes

Due to catastrophe shortages

Cover Rental Property?

No

Yes

Is Primary also covered by NCIP

Cover Commercial Property?

Yes

Yes

Through NCIP Commercial

Cover Additional Living Expense?

No

Yes

RCV on Secondary Dwellings?

No

Yes

Separate Debris Removal limit?

No

Yes

Contents in Basement covered?

No

Yes

Decks covered?

16 Sq Feet

Yes

Carports covered?

No

Yes

Policy issued in Producers office?

No

Yes