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    Primary & Excess Flood Quoting


    All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.

    Click on the Products Below

    Excess Flood (Submit for Rate)

    *Available in all 50 states

    Ineligible classes

    • Properties located on Fire Island, NY, Chesterfield, MO, Florida Keys and Padre Island, TX
    • COBRA & Emergency Zones Available
    • Properties built on stilts over water
    • Properties with negative elevation
    • Contents located in basement
    • Medical equipment
    • Food stuffs and/or perishable goods of any kind
    • Manufactured homes

    Available Limits/Coverage

    • Up to $15M aggregate per property – higher limits available upon request
    • $20M aggregate per building for residential, high rise condominiums (building coverage only)
    • Contents & Loss of Income available in conjunction with building coverage

    Flood - Online Rating

    Click on the name of your assigned Account Executive below to begin quoting:
    Ananka Willocks
    Paula Sanchez
    Mackenzie Harrington
    Michael Carioti
    Morgan Domingue
    Richelle Ingram
    Robyn Staton

    Product Advantages

    • Available in all 50 states
    • Replacement Cost coverage for building & contents
    • Ability to schedule multiple locations into one policy
    • Competitive rates based on tier county location
    • Waiting Periods:
      • – No waiting period for mortgage loan closings
      • – 7 days waiting period in respect of Coastal risks (Tier 1 &2)
      • – 14 day waiting period for inland risk

    Available Limits:

    • Building – Minimum $5,000 up to $500,000 per occurrence
    • Contents – Minimum $5,000 up to $500,000 per occurrence
    • Business Income/Rental Value – up to $500,000 per occurrence (14 day waiting period applies)

    Eligibile Risks

    • Primary or Secondary Single Family Dwellings
    • Condos – Minimum 4 stories, positively elevated A and Z zones

    Ineligible Risks

    • Properties located in a community currently in an Emergency Program
    • Mobile Homes
    • Medical Equipment
    • Perishable Goods, including food and drinks
    • Business Income and/or Rental Value only coverage

    Submission Requirements

    • NFIP/Acord application or renewing NFIP declaration page
    • Elevation Certificate needed for Post Firm A or V zones to bind coverage
    • Excel SOV for multiple locations
    • Confirmation of no prior flood losses