Transcription
Chubb refers to the insurers of the Chubb Group of Insurance Companiesunderwriting coveage: Federal Insurance Company. Chubb PersonalInsurance (CPI) is the personal lines property and casualty strategicbusiness unit of Chubb & Son, a division of Federal Insurance Company,as manager and/or agent for the insurers of the Chubb Group of InsuranceCompanies.This literature is descriptive only. Actual coverage is subject to thelanguage of the policies as issued. Coverage may not be available in alljurisdictions.Anytime. Anywhere.A Flood Damage SolutionFloods are the number one natural disaster inWhen it comes to protecting your home againstthe United States, causing more than 2.4Chubb ExcessFlood Insurancebillion of property damage each year* — a heftybill that is generally not covered by homeownersfloods, you can’t afford to take chances. Since mosthomeowners insurance policies offer no coverage forflood damage, you need an insurance solution thatalso includes a separate flood policy.Broader protectionwhere floods are more likelyinsurance.to occurIf your home is on the coast or otherwise noteligible for Chubb Personal Flood InsuranceIf you live on the coast, near a lake or riverside,flood insurance is essential. Consider whatcould happen to a beach house if waves wash(primary flood insurance), standard floodinsurance is available through the federalgovernment’s National Flood Insurance Program(NFIP). However, an NFIP policy alone does notoffer the broad coverages or high coverage limitsover the nearby dunes. Imagine the destructionthat may be necessary to help protect your homeif a local lake spills into the surroundingfrom a flood loss. The competition’s excess floodinsurance policy can provide higher limits, but itcommunity after heavy rains. The fact is everymay not include broad coverage. With Chubbhome in the United States is at some risk for aExcess Flood Insurance, however, you have thebest of both worlds — broader coverage options toflood,* but because of where your house islocated, you may face an even greater risk.suit your lifestyle as well as the higher limits youmay need, coupled with Chubb’s world-renownedclaim service.Chubb, P.O. Box 1615, Warren, NJ 07061-1615www.chubb.com/personalForm 02-01-0408 (Rev. 2/10)
Chubb refers to the insurers of the Chubb Group of Insurance Companiesunderwriting coveage: Federal Insurance Company. Chubb PersonalInsurance (CPI) is the personal lines property and casualty strategicbusiness unit of Chubb & Son, a division of Federal Insurance Company,as manager and/or agent for the insurers of the Chubb Group of InsuranceCompanies.This literature is descriptive only. Actual coverage is subject to thelanguage of the policies as issued. Coverage may not be available in alljurisdictions.Anytime. Anywhere.A Flood Damage SolutionFloods are the number one natural disaster inWhen it comes to protecting your home againstthe United States, causing more than 2.4Chubb ExcessFlood Insurancebillion of property damage each year* — a heftybill that is generally not covered by homeownersfloods, you can’t afford to take chances. Since mosthomeowners insurance policies offer no coverage forflood damage, you need an insurance solution thatalso includes a separate flood policy.Broader protectionwhere floods are more likelyinsurance.to occurIf your home is on the coast or otherwise noteligible for Chubb Personal Flood InsuranceIf you live on the coast, near a lake or riverside,flood insurance is essential. Consider whatcould happen to a beach house if waves wash(primary flood insurance), standard floodinsurance is available through the federalgovernment’s National Flood Insurance Program(NFIP). However, an NFIP policy alone does notoffer the broad coverages or high coverage limitsover the nearby dunes. Imagine the destructionthat may be necessary to help protect your homeif a local lake spills into the surroundingfrom a flood loss. The competition’s excess floodinsurance policy can provide higher limits, but itcommunity after heavy rains. The fact is everymay not include broad coverage. With Chubbhome in the United States is at some risk for aExcess Flood Insurance, however, you have thebest of both worlds — broader coverage options toflood,* but because of where your house islocated, you may face an even greater risk.suit your lifestyle as well as the higher limits youmay need, coupled with Chubb’s world-renownedclaim service.Chubb, P.O. Box 1615, Warren, NJ 07061-1615www.chubb.com/personalForm 02-01-0408 (Rev. 2/10)
A Tradition of ExcellenceHow It WorksIf your home is at risk for flooding, you can purchasecompetition’s excess flood policy. Here’s how:considered part of your house, like thethe maximum amount of flood insurance available Replacement cost for damaged property andfoundation, walls, flooring and ceilings asSince 1882, innovation, quality protection andunparalleled service have been the hallmarksthrough the NFIP, or you may choose to “self-insure”possessions. In many cases, excess flood policieswell as the drywall, wallpaper and fixtures.of Chubb. World-renowned for swift andfor that amount. Self-insurance means that you,won’t cover the full cost to repair or rebuild yourBuilt-in features such as bookcases, wet barsequitable claim handling, Chubb providesalong with your independent insurance advisor andhome after a flood. Chubb will pay to replace yourand cabinetry are also included.hassle-free claim service in the event of aaccountant, have determined that if a flood occurs,property and possessions, up to the limit you selectyou can afford to pay a portion of the flood loss onon your policy, without deduction for depreciationpremium, possessions in your basement suchclaim adjuster will be available to handle bothyour own, without an NFIP policy. Chubb Excessin the event of a covered excess flood loss.as televisions, pool tables and exerciseyour excess flood claim and homeowners claimequipment may be covered.**from start to finish.Flood Insurance pays for a flood loss that exceeds the Rebuilding your home to code. For an**—Basement contents. For an additionalNFIP maximum coverage limits available, whetheradditional premium, Chubb offers coverage for theyou choose to purchase an NFIP policy or self-insure.costs to comply with any law or ordinance requiringIn other words, in the event of a major flood loss,Higher-than-average limits are provided for specialthat you repair, rebuild, elevate, flood-proof orChubb offers additional or “excess” flood coveragepossessions such as art, collectibles, jewelry anddemolish your home after a covered flood loss.on top of the NFIP limits or self-insured amount.silverware, furs and even golf carts — 5,000 forChubb also covers any required upgrades likeeach category — in the event of a covered excessreplacement of outdated electrical wiring orflood loss. Business property is also covered up toplumbing after a covered loss. 15,000.The Chubb DifferenceChubb Excess Flood Insurance offers among the More coverage for precious possessions. Better coverage for finished basements. If you Coverage if you must live away from homehighest flood limits available — up to 15 million inhave a finished basement that serves as a homedue to flooding. Additional living expensetotal property coverage for your home and itstheater, billiard room or other purpose, Chubbcoverage up to 7,500 is included to pay for acontents. Coverage is offered in flood zones acrossoffers added protection in this damage-prone area.temporary residence, meals and other expenses youthe United States and may even be available if yourhome is located in a non-participating or emergencyprogram community. What’s more, you can chooseChubb Excess Flood Insurance with coverageoptions that help pay for certain out-of-pocketexpenses — coverage that is not available with the—Basement property. For an additionalmay incur if your home can’t be lived in duringpremium, optional coverage is available forrebuilding or repairs after a covered excess flood“real property” in your basement that isloss. You can purchase higher limits of addedcoverage for an additional premium.covered excess flood. In most cases, a ChubbChubb receives consistently high ratings for financialstrength from A.M. Best, Moody’s and Standard &Poor’s, the leading independent analysts of theinsurance industry, attesting to the solid financialstrength that backs every Chubb policy.For More InformationContact your independent Chubb agent orbroker. To find a Chubb agent near you, call1.877.60CHUBB or visit www.chubb.comand click on the “Find an Agent” link. TheFederal Emergency Management Agency alsoprovides a wealth of information about floodissues at www.floodsmart.gov.* Source: www.floodsmart.gov, 2/10.** Please check with your agent on availability ofhigher optional limits in your state.
A Tradition of ExcellenceHow It WorksIf your home is at risk for flooding, you can purchasecompetition’s excess flood policy. Here’s how:considered part of your house, like thethe maximum amount of flood insurance available Replacement cost for damaged property andfoundation, walls, flooring and ceilings asSince 1882, innovation, quality protection andunparalleled service have been the hallmarksthrough the NFIP, or you may choose to “self-insure”possessions. In many cases, excess flood policieswell as the drywall, wallpaper and fixtures.of Chubb. World-renowned for swift andfor that amount. Self-insurance means that you,won’t cover the full cost to repair or rebuild yourBuilt-in features such as bookcases, wet barsequitable claim handling, Chubb providesalong with your independent insurance advisor andhome after a flood. Chubb will pay to replace yourand cabinetry are also included.hassle-free claim service in the event of aaccountant, have determined that if a flood occurs,property and possessions, up to the limit you selectyou can afford to pay a portion of the flood loss onon your policy, without deduction for depreciationpremium, possessions in your basement suchclaim adjuster will be available to handle bothyour own, without an NFIP policy. Chubb Excessin the event of a covered excess flood loss.as televisions, pool tables and exerciseyour excess flood claim and homeowners claimequipment may be covered.**from start to finish.Flood Insurance pays for a flood loss that exceeds the Rebuilding your home to code. For an**—Basement contents. For an additionalNFIP maximum coverage limits available, whetheradditional premium, Chubb offers coverage for theyou choose to purchase an NFIP policy or self-insure.costs to comply with any law or ordinance requiringIn other words, in the event of a major flood loss,Higher-than-average limits are provided for specialthat you repair, rebuild, elevate, flood-proof orChubb offers additional or “excess” flood coveragepossessions such as art, collectibles, jewelry anddemolish your home after a covered flood loss.on top of the NFIP limits or self-insured amount.silverware, furs and even golf carts — 5,000 forChubb also covers any required upgrades likeeach category — in the event of a covered excessreplacement of outdated electrical wiring orflood loss. Business property is also covered up toplumbing after a covered loss. 15,000.The Chubb DifferenceChubb Excess Flood Insurance offers among the More coverage for precious possessions. Better coverage for finished basements. If you Coverage if you must live away from homehighest flood limits available — up to 15 million inhave a finished basement that serves as a homedue to flooding. Additional living expensetotal property coverage for your home and itstheater, billiard room or other purpose, Chubbcoverage up to 7,500 is included to pay for acontents. Coverage is offered in flood zones acrossoffers added protection in this damage-prone area.temporary residence, meals and other expenses youthe United States and may even be available if yourhome is located in a non-participating or emergencyprogram community. What’s more, you can chooseChubb Excess Flood Insurance with coverageoptions that help pay for certain out-of-pocketexpenses — coverage that is not available with the—Basement property. For an additionalmay incur if your home can’t be lived in duringpremium, optional coverage is available forrebuilding or repairs after a covered excess flood“real property” in your basement that isloss. You can purchase higher limits of addedcoverage for an additional premium.covered excess flood. In most cases, a ChubbChubb receives consistently high ratings for financialstrength from A.M. Best, Moody’s and Standard &Poor’s, the leading independent analysts of theinsurance industry, attesting to the solid financialstrength that backs every Chubb policy.For More InformationContact your independent Chubb agent orbroker. To find a Chubb agent near you, call1.877.60CHUBB or visit www.chubb.comand click on the “Find an Agent” link. TheFederal Emergency Management Agency alsoprovides a wealth of information about floodissues at www.floodsmart.gov.* Source: www.floodsmart.gov, 2/10.** Please check with your agent on availability ofhigher optional limits in your state.
Chubb refers to the insurers of the Chubb Group of Insurance Companiesunderwriting coveage: Federal Insurance Company. Chubb PersonalInsurance (CPI) is the personal lines property and casualty strategicbusiness unit of Chubb & Son, a division of Federal Insurance Company,as manager and/or agent for the insurers of the Chubb Group of InsuranceCompanies.This literature is descriptive only. Actual coverage is subject to thelanguage of the policies as issued. Coverage may not be available in alljurisdictions.Anytime. Anywhere.A Flood Damage SolutionFloods are the number one natural disaster inWhen it comes to protecting your home againstthe United States, causing more than 2.4Chubb ExcessFlood Insurancebillion of property damage each year* — a heftybill that is generally not covered by homeownersfloods, you can’t afford to take chances. Since mosthomeowners insurance policies offer no coverage forflood damage, you need an insurance solution thatalso includes a separate flood policy.Broader protectionwhere floods are more likelyinsurance.to occurIf your home is on the coast or otherwise noteligible for Chubb Personal Flood InsuranceIf you live on the coast, near a lake or riverside,flood insurance is essential. Consider whatcould happen to a beach house if waves wash(primary flood insurance), standard floodinsurance is available through the federalgovernment’s National Flood Insurance Program(NFIP). However, an NFIP policy alone does notoffer the broad coverages or high coverage limitsover the nearby dunes. Imagine the destructionthat may be necessary to help protect your homeif a local lake spills into the surroundingfrom a flood loss. The competition’s excess floodinsurance policy can provide higher limits, but itcommunity after heavy rains. The fact is everymay not include broad coverage. With Chubbhome in the United States is at some risk for aExcess Flood Insurance, however, you have thebest of both worlds — broader coverage options toflood,* but because of where your house islocated, you may face an even greater risk.suit your lifestyle as well as the higher limits youmay need, coupled with Chubb’s world-renownedclaim service.Chubb, P.O. Box 1615, Warren, NJ 07061-1615www.chubb.com/personalForm 02-01-0408 (Rev. 2/10)
Chubb refers to the insurers of the Chubb Group of Insurance Companies underwriting coveage: Federal Insurance Company. Chubb Personal Insurance (CPI) is the personal lines property and casualty strategic business unit of Chubb & Son, a division of Federal Insurance Company, as manager and/or agent for the insurers of the Chubb Group of Insurance
