NFIP or private market, with or without an elevation certificate. We quote both and show you the difference in writing.
I can put together a flood quote right here — a few quick questions, about two minutes.
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The structure itself: foundation, walls, electrical, plumbing, built-in appliances.
Your belongings, bought separately from the building. Most flood claims need both.
Often higher limits and faster binding than NFIP, and sometimes cheaper. Worth comparing every year.
Zone X does not mean no risk — a third of flood claims come from outside high-risk zones.
Flood is never part of a homeowners policy. Click a hotspot to see what a flood policy does and does not answer.
Rising water damages the structure itself: framing, drywall, flooring, electrical, and the air conditioning equipment.
Building coverage repairs the structure. NFIP caps it at 250,000 dollars; private carriers often go higher, which matters on a newer or larger home.
Furniture, electronics and everything stored at ground level are usually the first total loss in a flood.
Contents coverage is separate from building coverage and has its own limit — 100,000 dollars under NFIP. Buying one without the other is the classic mistake.
A flooded car is one of the most common losses in a storm, and a flood policy does not pay for it.
A flooded vehicle is a comprehensive auto claim. If you carry liability only, nobody pays for that car — which is why we check both policies together.
NFIP policies normally take effect 30 days after purchase, so the week a storm is named is far too late to buy.
Private flood often binds much faster. Either way, the right time to place flood coverage is a calm week in the off-season.
About a third of flood claims happen outside high-risk zones, where owners assumed they did not need a policy.
In Zone X the premium is a fraction of high-risk pricing. An elevation certificate can move the number by hundreds — send it if you have one.
The same questions a licensed agent would ask on the phone — in the order that gets you an accurate number instead of a teaser rate.
…and a few more. Average time: under two minutes.
Not a lead broker, not a call center. Your answers go straight into our agency system.
Including the ones that never show up on comparison sites.
By email or text, whichever you picked. No pressure, no endless calls.
Ava starts it. A licensed agent finishes it.
Independent agency licensed in FL · IL · MN. We compare 50+ carriers and place the policy that actually fits — no call center, no quote farm.
4700 Millenia Blvd, Suite 500
Orlando, FL 32839
Mon–Fri 9 AM–5 PM
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