Get the protection you need at a price you can afford. A common misconception is that all property insurance plans include flood insurance. With Kness & Associates and the National Flood Insurance Program (NFIP), you can get a Standard Policy for homeowners in high-risk areas or a Preferred Risk Policy for homeowners in moderate to low-risk areas.

Not familiar with dwelling fire insurance? It’s a type of insurance that provides coverage for homes that are vacant, or have characteristic high risk, or may not be eligible for a homeowner’s policy. It also is a good choice for cabins, camps, seasonal dwellings, and tenant occupied dwellings. For a variety of reasons, this insurance may better suit your needs and price tag.