Smart Flood Protection Starts Here
Protect your home from the unexpected with flexible, affordable flood insurance—built for the modern homeowner
Smart Flood Protection Starts Here
Protect your home from the unexpected with flexible, affordable flood insurance—built for the modern homeowner
Why Flood Insurance Matters—Even If You’re Not in a High-Risk Zone
Floods are the most common and costly natural disasters in the U.S. Yet, most homeowners’ insurance policies do not cover flood damage. Whether you're in a coastal area or hundreds of miles inland, flood risks are real—and often underestimated.
Over 25% of flood claims come from properties outside high-risk zones. With climate change and unpredictable weather, being unprepared is no longer an option.
Flooding can happen anywhere—at any time.
One inch of water can cause over $25,000 in damage.
Flood insurance is the only reliable way to financially recover.
Why Flood Insurance Matters—Even If You’re Not in a High-Risk Zone
Floods are the most common and costly natural disasters in the U.S. Yet, most homeowners’ insurance policies do not cover flood damage. Whether you're in a coastal area or hundreds of miles inland, flood risks are real—and often underestimated.
Over 25% of flood claims come from properties outside high-risk zones. With climate change and unpredictable weather, being unprepared is no longer an option.
Flooding can happen anywhere—at any time.
One inch of water can cause over $25,000 in damage.
Flood insurance is the only reliable way to financially recover.
Why Choose Private Flood Insurance?
Unlike traditional government-backed flood insurance, modern private options are designed for today's homeowner—with speed, flexibility, and expanded protection.
Higher Coverage Limits
Insure your home for up to $2 million and contents for up to $500K.
Faster Activation
No 30-day wait—some policies activate instantly or within days.
Broader Protection Option
Optional coverage for basements, temporary living expenses, and detached structures.
No Elevation Certificate Needed
Save time and money with tech-driven risk assessment—no paperwork hassle.
Competitive Pricing
Often more affordable than traditional government programs.
Why Choose Private Flood Insurance?
Unlike traditional government-backed flood insurance, modern private options are designed for today's homeowner—with speed, flexibility, and expanded protection.
Higher Coverage Limits
Insure your home for up to $2 million and contents for up to $500K.
Faster Activation
No 30-day wait—some policies activate instantly or within days.
Broader Protection Option
Optional coverage for basements, temporary living expenses, and detached structures.
No Elevation Certificate Needed
Save time and money with tech-driven risk assessment—no paperwork hassle.
Competitive Pricing
Often more affordable than traditional government programs.
What Does Flood Insurance Cover?
Flood insurance typically covers direct physical losses caused by flooding, including:
Included
Structural damage to your home
Electrical and plumbing systems
Built-in appliances and HVAC
Flooring and walls
Personal belongings (furniture, clothing, electronics)
Not Typically Covered
Additional living expenses (unless added as an option)
Landscaping, decks, fences, pools
Mold or mildew from delayed cleanup
Cash, jewelry, artwork
Business interruption (for commercial properties)
Want more protection? Add-ons are available to cover living costs, basement contents, and more.
What Does Flood Insurance Cover?
Flood insurance typically covers direct physical losses caused by flooding, including:
Included
Structural damage to your home
Electrical and plumbing systems
Built-in appliances and HVAC
Flooring and walls
Personal belongings (furniture, clothing, electronics)
Not Typically Covered
Additional living expenses (unless added as an option)
Landscaping, decks, fences, pools
Mold or mildew from delayed cleanup
Cash, jewelry, artwork
Business interruption (for commercial properties)
Want more protection? Add-ons are available to cover living costs, basement contents, and more.
Do You Need Flood Insurance?
Flood insurance is required if:
Your property is in a FEMA-designated high-risk flood zone, and
You have a federally backed mortgage.
However, many lenders and property owners choose to carry flood insurance voluntarily—even outside high-risk zones—because the financial risk of a flood is too high to ignore.
Remember: Most floods happen where coverage is optional. Don't leave your home unprotected.
Simple, Seamless, Stress-Free
Get protected in just a few easy steps
Enter Your Address
Get a risk-based quote in just 2 minutes—no elevation certificate needed.
Customize Your Coverage
Choose limits that fit your needs, from structural damage to personal property.
Buy Online Instantly
No paperwork. No waiting. Coverage can begin as soon as tomorrow.
Rest Easy
You're protected from one of nature's most unpredictable threats.
Simple, Seamless, Stress-Free
Get protected in just a few easy steps
Enter Your Address
Get a risk-based quote in just 2 minutes—no elevation certificate needed.
Customize Your Coverage
Choose limits that fit your needs, from structural damage to personal property.
Buy Online Instantly
No paperwork. No waiting. Coverage can begin as soon as tomorrow.
Rest Easy
You're protected from one of nature's most unpredictable threats.
Need Expert Guidance? Schedule a Consultation
Speak with our flood insurance experts to get personalized recommendations and answers to your specific questions.
Personalized Risk Assessment
Get a customized evaluation of your property's flood risk and coverage needs.
Expert Policy Review
Have our experts review your existing coverage and identify potential gaps.
Claims Process Guidance
Learn what to expect and how to navigate the claims process if you need it.
Schedule Your Free Consultation
Need Expert Guidance? Schedule a Consultation
Speak with our flood insurance experts to get personalized recommendations and answers to your specific questions.
Personalized Risk Assessment
Get a customized evaluation of your property's flood risk and coverage needs.
Expert Policy Review
Have our experts review your existing coverage and identify potential gaps.
Claims Process Guidance
Learn what to expect and how to navigate the claims process if you need it.
Schedule Your Free Consultation
Frequently Asked Questions
Does my home insurance cover flooding?
No. Standard homeowners policies exclude flood damage.
Can I use private flood insurance instead of NFIP?
Yes. Most private flood policies meet or exceed federal requirements.
Is flood insurance only for high-risk areas?
No. Floods can and do occur in low- and moderate-risk zones.
How much coverage can I get?
Policies can cover up to $2 million for your home and $500,000+ for contents.
How quickly does coverage begin?
Private policies often start within days—sometimes immediately.
Get Covered Before the Storm Hits
Floods don't wait for the right time. Protect your home, your belongings, and your
peace of mind—starting today.
