Flood is not in your homeowners policy.
Every standard homeowners policy in Florida excludes flood. If you have never bought a separate policy, you are not covered.
Flood insurance, South Florida
Compare flood insurance across South Florida carriers.
Flood is a separate policy, and most people end up in the federal program without seeing what else is available. We are an independent agency. We compare the NFIP against private carriers and come back with what we find, usually the same day.
The federal program has limits.
NFIP stops at $250,000 on the building and $100,000 on contents. Private carriers often go higher, sometimes for less.
Low risk does not mean no risk.
Around a quarter of flood claims come from outside high risk zones. Your lender not requiring it is not the same as not needing it.
We work across Broward, Miami Dade and Palm Beach. Call (954) 461-7642, Monday to Friday, 9 to 5.