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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Types of Flood Insurance Coverage",
  "publisher": "FEMA, National Flood Insurance Program (agents.floodsmart.gov)",
  "url": "https://agents.floodsmart.gov/topics/selling-flood-insurance/coverage",
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  "primary": true,
  "jurisdiction": "US",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "FEMA updates NFIP coverage limits only when Congress raises them; verify limits before quoting.",
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      "checksum": "87aa081288f0",
      "text": "A residential building can be insured for up to 250,000 dollars."
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      "text": "A non-residential building can be insured for up to 500,000 dollars."
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      "text": "Belongings can be insured up to 100,000 dollars under a residential policy and up to 500,000 dollars under a non-residential policy."
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      "text": "Belongings are covered for their value at the time of the damage, which the page calls Actual Cost Value, not their original cost, and there is no option for full replacement value."
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      "title": "What does a lender insurance requirement actually prove?",
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  "citation": {
    "text": "FEMA, National Flood Insurance Program (agents.floodsmart.gov). \"Types of Flood Insurance Coverage.\" unknown. https://agents.floodsmart.gov/topics/selling-flood-insurance/coverage (retrieved 2026-08-31).",
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    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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