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| Product | Year | Cash flows | Currency | Interest rate | Discount factor | Present value | |
|---|---|---|---|---|---|---|---|
| Flood insurance | 0 | 24000 | USD | 0.025 | 1.0 | 24000.0 | |
| Flood insurance | 1 | -2000 | USD | 0.026 | 0.975 | -1949.318 | |
| Flood insurance | 2 | -2000 | USD | 0.027 | 0.948 | -1896.222 | |
| Flood insurance | 3 | -2000 | USD | 0.028 | 0.92 | -1840.987 | |
| Flood insurance | 4 | -2000 | USD | 0.029 | 0.892 | -1783.892 | |
| Flood insurance | 5 | -2000 | USD | 0.03 | 0.863 | -1725.218 | |
| Flood insurance | 6 | -2000 | USD | 0.031 | 0.833 | -1665.244 | |
| Flood insurance | 7 | -2000 | USD | 0.032 | 0.802 | -1604.25 | |
| Flood insurance | 8 | -2000 | USD | 0.033 | 0.771 | -1542.508 | |
| Flood insurance | 9 | -2000 | USD | 0.034 | 0.74 | -1480.284 | |
| Flood insurance | 10 | -2000 | USD | 0.035 | 0.709 | -1417.838 | |
| Fire insurance | 0 | 3000 | USD | 0.025 | 1.0 | 3000.0 | |
| Fire insurance | 1 | -500 | USD | 0.026 | 0.975 | -487.329 | |
| Fire insurance | 2 | -300 | USD | 0.027 | 0.948 | -284.433 | |
| Fire insurance | 3 | -200 | USD | 0.028 | 0.92 | -184.099 | |
| Fire insurance | 4 | -200 | USD | 0.029 | 0.892 | -178.389 | |
| Fire insurance | 5 | -200 | USD | 0.03 | 0.863 | -172.522 | |
| Fire insurance | 6 | -200 | USD | 0.031 | 0.833 | -166.524 | |
| Fire insurance | 7 | -200 | USD | 0.032 | 0.802 | -160.425 | |
| Fire insurance | 8 | -200 | USD | 0.033 | 0.771 | -154.251 | |
| Fire insurance | 9 | -200 | USD | 0.034 | 0.74 | -148.028 | |
| Fire insurance | 10 | -100 | USD | 0.035 | 0.709 | -70.892 |
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