NFIP · Private Flood
Flood Insurance
Standard homeowners policies exclude flood — and more than a fifth of Florida flood claims come from outside high-risk zones. We quote NFIP alongside private flood carriers so you can compare limits, waiting periods and price.
What we cover
- Building coverage up to and beyond NFIP limits
- Contents and personal property coverage
- Private flood options with higher limits and faster binding
- Replacement cost options where eligible
- Elevation certificate review and zone determination
- Loss-of-use available on select private markets
NFIP vs private
Private flood often beats NFIP on price and limits. We show both side by side.
Waiting periods
NFIP typically has a 30-day wait — don't quote it when a storm is named.
Preferred risk
X-zone homes can qualify for low-cost preferred risk policies.
Commercial flood
Flood coverage for retail, office and multi-family properties.
Ready for a better rate?
Independent agents shop multiple carriers so you don't have to.