Flood Insurance

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Florida Homes Deserve More Than Just Basic Coverage

Standard homeowners insurance doesn't cover flood damage-and in Florida, that's a big deal. Whether you're on the coast, near a canal, or inland in a flood-prone zone, flood insurance is essential. We help property owners across Florida find reliable, affordable flood policies through private carriers and the National Flood Insurance Program (NFIP).

What Flood Insurance Covers

Flood insurance typically includes:

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Structural Damage

Repairs to your foundation, walls, floors, electrical, and plumbing systems

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Appliances & Systems

HVAC, water heaters, washers, dryers, and built-in appliances

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Personal Belongings

Furniture, clothing, and electronics (with limits under NFIP)

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Debris Removal Costs 

Clean-up and disposal after a flood

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Basement & Crawlspace Coverage

Limited coverage available depending on your policy type

We'll help you understand the difference between building and contents coverage-and make sure you have what you need.

Why It Matters in Florida

  • Flooding can happen anywhere-not just in high-risk areas
  • Storms and heavy rainfall are year-round concerns across the state
  • Federal disaster aid isn't guaranteed and often isn't enough to rebuild
  • Mortgage lenders may require it even outside FEMA-designated zones
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Why Choose Us for Flood Insurance

01

NFIP & Private Carrier Options

We compare both government-backed and private plans so you can choose what works best.

02

Help Understanding Flood Zones

We'll explain what your zone means, how it affects your rate, and what coverage is required.

03

Support Through Every Storm

We're based in Florida and know what it takes to prepare before the rain starts falling.

FAQs About Flood Insurance in Florida

  • Is flood insurance required in Florida?

    It's not required by law-but lenders may require it if your property is in a high-risk flood zone.

  • Can I buy flood insurance even if I'm not in a flood zone?

    Yes-and it's often cheaper if you're in a moderate- or low-risk area.

  • How long does it take for coverage to start?

    There's usually a 30-day waiting period, unless it's required for a new mortgage.

  • Can renters get flood insurance?

    Yes-renters can get contents-only flood coverage to protect their belongings.

  • Does flood insurance cover hurricanes or storm surge?

    Yes-if rising water from storm surge causes flooding, it's typically covered under flood insurance.

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Protect Your Property from Rising Water

If it can rain, it can flood-and we'll help make sure you're ready. Let's find the right flood insurance policy for your home or rental property today.