Flood Protection for the Sunshine State.
In Florida, flooding is a question of when, not if. Dedicated flood coverage protects what your home policy cannot.
What's Covered
- Building property coverage for your home structure
- Coverage for electrical, plumbing, and HVAC systems
- Contents coverage for furniture and personal belongings
- Debris removal after a flood event
- Coverage available in and out of high-risk flood zones
- Options backed by the NFIP and private flood markets
Why You Need It
Just a few inches of water can cause tens of thousands of dollars in damage, and standard homeowners insurance specifically excludes flooding. Without a flood policy, that cost falls entirely on you.
You do not have to live on the coast to flood. More than a quarter of flood claims come from areas considered low or moderate risk, including inland West Palm Beach neighborhoods.
We help you understand your flood zone, compare NFIP and private options, and lock in coverage before the 30-day waiting period leaves you exposed during storm season.
Frequently Asked Questions
For most Florida property owners, yes. Flooding is the most common and costly natural disaster in the state, and it is never covered by a standard home policy.
Flood policies typically have a 30-day waiting period before coverage begins, so it is important not to wait until a storm is approaching.
Building coverage protects the structure, while contents coverage protects your belongings. We usually recommend both for full protection.
Flood premiums depend on your flood zone, elevation, and the coverage amounts you choose. We shop multiple markets to find your best rate.