Why You Need Flood Insurance
Essential protection for every Florida homeowner
Florida Flood Risk
Florida leads the nation in flood risk, standard home policies don't cover flood damage
NFIP & Private Options
Both National Flood Insurance Program and private flood insurance available
Affordable Protection
Preferred Risk policies start as low as $100 per year for lower-risk zones
Coverage Options
Protect your home and belongings from flood damage
Building Property Coverage
Protects the physical structure of your home and its foundation
Personal Property Coverage
Covers your belongings, furniture, and personal items from flood damage
Basement Coverage
Limited protection for basement elements, including foundation and essential systems
Debris Removal
Covers the cost of removing flood debris from your property
Loss of Use
Helps pay for additional living expenses while your home is being repaired
Replacement Cost Value
Option to receive replacement cost rather than actual cash value for your property