Verisk launched a new personal lines flood insurance program through its ISO business designed to make flood coverage widely available to homeowners anywhere in the contiguous United States. The ISO personal lines flood program enables insurers to enter the private flood insurance market by offering broad and flexible coverage options in a template similar to the standard homeowners policy that's already familiar to most consumers. The ISO personal lines flood insurance program enables broader and more flexible coverage than the National Flood Insurance Program (NFIP), with wording generally similar to the standard homeowners policy most consumers know. The ISO program lets insurers offer coverages and deductibles with options to include additional living expenses; other structures on the property such as detached garages, fences, and pools; and damage to personal property in a belowground area.