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| Product | Year | Cash Flows | Interest rate | Currency | Discount factor | Present value | |
|---|---|---|---|---|---|---|---|
| Flood insurance | 0 | 24000 | 0.03 | USD | 1.0 | 24000 | |
| Flood insurance | 1 | -2000 | 0.03 | USD | 0.975 | -1950 | |
| Flood insurance | 2 | -2000 | 0.03 | USD | 0.948 | -1896 | |
| Flood insurance | 3 | -2000 | 0.03 | USD | 0.92 | -1840 | |
| Flood insurance | 4 | -2000 | 0.03 | USD | 0.892 | -1784 | |
| Flood insurance | 5 | -2000 | 0.03 | USD | 0.863 | -1726 | |
| Flood insurance | 6 | -2000 | 0.03 | USD | 0.833 | -1666 | |
| Flood insurance | 7 | -2000 | 0.03 | USD | 0.802 | -1604 | |
| Flood insurance | 8 | -2000 | 0.03 | USD | 0.771 | -1542 | |
| Flood insurance | 9 | -2000 | 0.03 | USD | 0.74 | -1480 | |
| Flood insurance | 10 | -2000 | 0.04 | USD | 0.709 | -1418 | |
| Fire insurance | 0 | 3000 | 0.03 | USD | 1.0 | 3000 | |
| Fire insurance | 1 | -500 | 0.03 | USD | 0.975 | -488 | |
| Fire insurance | 2 | -300 | 0.03 | USD | 0.948 | -284 | |
| Fire insurance | 3 | -200 | 0.03 | USD | 0.92 | -184 | |
| Fire insurance | 4 | -200 | 0.03 | USD | 0.892 | -178 | |
| Fire insurance | 5 | -200 | 0.03 | USD | 0.863 | -173 | |
| Fire insurance | 6 | -200 | 0.03 | USD | 0.833 | -167 | |
| Fire insurance | 7 | -200 | 0.03 | USD | 0.802 | -160 | |
| Fire insurance | 8 | -200 | 0.03 | USD | 0.771 | -154 | |
| Fire insurance | 9 | -200 | 0.03 | USD | 0.74 | -148 | |
| Fire insurance | 10 | -100 | 0.04 | USD | 0.709 | -71 |
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