Flood Insurancedone the right way.
Because Florida rain doesn't wait for permission.
What a Florida
flood policy covers.
Every situation is different. We build the policy around yours.
Building Coverage
Foundation, walls, electrical, plumbing and permanently installed fixtures.
Contents Coverage
Furniture, electronics, clothing and other personal belongings.
Storm Surge
Coastal surge and rising water that a homeowners policy excludes.
Heavy Rainfall
Flash flooding and overflow from inland water sources.
Debris Removal
Cleanup costs after floodwaters recede.
Private Flood Options
Higher limits and faster underwriting than standard NFIP policies.
What's usually not included in your insurance, but we can get you coverage.
Temporary housing
NFIP policies do not pay for hotels or additional living expenses.
Outdoor property
Landscaping, pools, decks and fences are typically excluded.
Basement finishes
Below-grade improvements and belongings have very limited coverage.
Tell us your address
Enter your address and a few quick details about what you're insuring.
Get immediate quotes
Our online rate quoter compares top-rated Florida carriers instantly.
You choose with confidence
We walk you through options, deductibles and discounts.
Let's cover what water can do.
- NFIP and private carrier options
- Flood zone review included
- Coverage often starts in 30 days
Get started with a free quote.
Flood insurance questions.
Common questions about Florida flood insurance policies
Do I need flood insurance if I'm not in a flood zone?
Often yes. More than a third of Florida flood claims come from outside high-risk zones, and premiums in low-risk areas are far cheaper.
Is flood insurance required?
Lenders require it for homes in FEMA high-risk zones. Elsewhere it's optional but highly recommended in Florida.
How long until my policy takes effect?
NFIP policies usually carry a 30-day waiting period. Private flood policies can bind much faster — don't wait for a storm in the forecast.
What does flood insurance cost?
Preferred-risk policies can start a few hundred dollars a year; high-risk coastal properties cost considerably more. We'll compare NFIP against private markets for you.