Flood Insurance
Your homeowners insurance doesn't cover flooding. In the #1 state for flood risk, separate flood insurance isn't optional — it's essential. We offer both NFIP and private flood options.
Important: NFIP flood policies have a 30-day waiting period. Don't wait for storm season — get your flood insurance quote today.
What Does Flood Insurance Cover?
Flood insurance protects your home and belongings from rising water, storm surge, and overflow.
Building Coverage
Covers damage to your home's structure, foundation, electrical and plumbing systems, HVAC, appliances, and permanently installed features like cabinets and flooring.
Contents Coverage
Protects your personal belongings including furniture, electronics, clothing, and valuables from flood damage.
Additional Living Expenses
Some private flood policies cover temporary living costs while your home is being repaired after a flood — not available under NFIP.
Basement & Below-Grade Coverage
Private flood policies often cover more below-grade areas than NFIP, including finished basement contents and improvements.
Why Every Florida Homeowner Should Have Flood Insurance
Frequently Asked Questions
What's the difference between NFIP and private flood insurance?
The National Flood Insurance Program (NFIP) is a federal program with standardized coverage up to $250,000 for the dwelling and $100,000 for contents. Private flood insurance is offered by private carriers and often provides higher limits, broader coverage (like loss of use), and sometimes lower premiums. We can quote both and help you choose.
Do I need flood insurance if I'm not in a flood zone?
Yes — and here's why: over 30% of flood claims come from properties outside of high-risk flood zones. If it can rain, it can flood. Plus, policies for lower-risk zones are often very affordable — sometimes as low as $400-500/year.
How long does it take for flood insurance to go into effect?
NFIP policies have a standard 30-day waiting period. Some private flood policies can be effective in as little as 10-15 days. That's why it's important not to wait until storm season — get covered now.
Does flood insurance cover hurricane damage?
Flood insurance covers damage from rising water, including storm surge from hurricanes. However, wind damage from hurricanes is covered by your homeowners or windstorm policy, not flood insurance. You typically need both policies for full hurricane protection.
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