The water doesn't check your paperwork.
The one policy your homeowners coverage leaves out.
Flood is written separately from homeowners, and the flood zone your address sits in drives what it costs. Look up Miami flood zones.
The one policy your homeowners coverage leaves out.
Flood is written separately from homeowners, and the flood zone your address sits in drives what it costs. Look up Miami flood zones.
There's more than one way to write flood coverage — the right one depends on the home.
The National Flood Insurance Program — the federally backed option many Florida homes have relied on for years.
Coverage written by private carriers, which can be a strong fit for some homes and is worth comparing side by side with NFIP.
If your mortgage requires flood coverage because of your flood zone, we'll make sure the policy meets exactly what your lender needs.
This is the single most important thing to understand about protecting a Florida home: flood damage is not covered by a standard homeowners policy. A home can look fully insured and still have a gap the day the water rises.
Because we're independent, we line up your flood, wind, and homeowners coverage together — so you know exactly where one ends and the next begins, before it matters.
Close my flood gapThis is the advantage of an independent agency: one quote request here puts multiple Florida carriers to work competing for you. No reason to spend your evening filling out forms site by site — comparing them is literally our job. The list changes as the Florida market changes; ask us for the current one.
Two minutes online, or call the office — the address is most of what we need to get started.
Side by side, across multiple Florida insurers, with the differences explained in plain words.
We handle the paperwork and make sure the policy satisfies your lender — and we're here every storm season after.
No — rising-water damage is excluded from standard homeowners policies. Flood is its own policy, bought separately. It's the most common coverage gap we find in Florida homes.
If you have a mortgage, your lender may require flood coverage when the home sits in a designated flood zone. Required or not, we'll give you an honest read on whether the risk is worth insuring for your address.
It depends on the home. That's exactly why we quote both and put them side by side, so you're choosing between real numbers instead of guessing.
Two minutes online, or one call to the office. NFIP and private options compared, since 1994.
Get a free flood quote