Standard home policies don't cover flood. We shop NFIP and private flood markets so you're protected — whether or not you're in a high-risk zone.
Flood is the most common and costly natural disaster in the United States — and your standard homeowners policy specifically excludes it. In Florida, where storm surge and heavy rain are facts of life, a separate flood policy is what stands between you and an out-of-pocket disaster.
We shop both the federal NFIP program and private flood carriers to find the right coverage and the best price for your property — whether you're in a high-risk zone or not.
If you're buying or refinancing in a flood zone, your lender will require flood coverage to close. We make it fast so your timeline never slips.
Lender-required coverage, quoted fast so you close on time.
Low-cost preferred-risk policies — most Florida floods happen here.
FEMA maps change. We'll re-shop your coverage if your zone did.
Just one inch of water in your home can cause $25,000+ in damage — and over 40% of NFIP claims come from outside high-risk zones.