Hi Jimmy, there's no harm in calling the same insurance company, but that doesn't mean that you will get the same rate as the current owner. Flood insurance is standard, and that rate should not change, since it is through the Federal Government. The homeowners depends upon some different factors, for instance, now the insurance company can run a credit check on you to determine if they will insure you or not. There are several other factors, and I do not sell insurance, and would suggest that you speak to a qualified insurance person. As you stated, the flood elevation certificate will definitely help with the flood insurance premium. Good luck!