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Flood is the one peril your homeowners policy never covers, and in Florida it's the one you're most likely to need. We write flood through Wright Flood — the nation's largest NFIP provider — as well as private markets that can offer higher limits and lower rates than the federal program, whether you're in a high-risk AE/VE zone or a preferred X zone.
No. Flood is excluded from all homeowners policies and must be bought separately. We can quote it alongside your home policy.
More than 20% of flood claims come from low-to-moderate risk areas. Preferred Risk Policies make coverage inexpensive outside high-risk zones.
NFIP is the federal program with set limits. Private flood can offer higher limits, replacement cost on contents, and sometimes lower premiums.