1. Flood insurance for most Iowa homeowners is primarily available through the:

National Flood Insurance Program (NFIP)

Flood is excluded from homeowners policies, so coverage is commonly obtained through the National Flood Insurance Program.

2. A personal umbrella policy provides:

Additional liability limits above the insured's underlying auto and homeowners policies

A personal umbrella adds liability limits above the underlying auto and homeowners policies and may cover some gaps.

3. Small boats may be covered under a homeowners policy but larger boats usually require:

A separate watercraft or boatowners policy

Larger or higher-powered watercraft typically need a separate boatowners or watercraft policy.

4. A personal articles floater (inland marine) is commonly used to insure:

Valuable items such as jewelry, furs, and fine art on an itemized basis

A personal articles floater insures scheduled valuables such as jewelry and fine art, often without a deductible.