Her mortgage payments are high, and some months she earns barely enough to cover the essentials.

At first she considered taking her chances and not buying homeowners insurance, but the bank made it clear that this was not an option. . . .

When the agent returned on the line, he sounded like a different person.

"Ma'am, I'm sorry, but according to our records, you do not have flood insurance protections in your policy. We do offer flood insurance as an add-on to basic homeowners, but at additional cost."

Why did Maggie not have flood insurance? Check all that apply.