Private Flood Insurance
Get more flexible private flood insurance with higher limits, faster start dates, and broader coverage options.
Higher Limits
Coverage options above NFIP’s $250,000 building cap.
Faster Coverage
Many private flood policies start sooner than NFIP.
Flexible Coverage
Options like replacement cost and broader basement coverage.
What Private Flood Insurance Covers
Building Coverage
– Structure and foundation
– Electrical, plumbing, and HVAC
– Finished basements (often broader than NFIP)
– Replacement cost options
Contents Coverage
– Personal property
– Furniture & electronics
– Higher contents limits available
– Replacement cost options
How the Private Flood Quote Process Works
Address determines eligibility instantly
- Property type
- Year built
- Square footage
- Flood history (if applicable)
- Choose higher building limits
- Select contents coverage
- Adjust deductibles
- Instant premium display
- Compare options side-by-side
- Enter personal details
- Review policy
- Complete payment online
What Private Insurance Gives You
– Higher limits
– Faster starts
– More flexibility