Private flood often wins on coverage terms. NFIP caps dwelling at $250,000 and contents at $100,000, excludes living expenses, and has a 30-day waiting period. Private flood can cover above those caps, include additional living expenses, and some programs have shorter waiting periods. For coastal Georgia with federal subsidies, NFIP may be more cost-effective. We compare both for every property before recommending placement.

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How do I decide between private flood and NFIP in Georgia?

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