Hi to all, I have a problem I don't carry any "full" insurance and I usually get flooded during heavy rain, hurricane etc it will cost to replace the home/contents. my main purchases for that problem was those alternative sand bag http://www.stormtec.net/ and I would like to get the house ready for an inspection so what are the insurances that I have to take am completely lost. What should I do ?

You'll (probably) be just fine as long as you don't wait until you are inundated with Salt Water. Then nothing can help you ! Good Luck !