Flood Insurance
Stay protected when the waters rise.
In Southwest Florida, flooding isn’t a maybe—it’s a matter of when. Get the protection your home insurance won’t cover.
Why Flood Insurance Matters
Many Florida homeowners don’t realize that flood damage is not included in standard home or condo insurance policies. And in a state where heavy rain, storm surge, and hurricanes are part of life, going without it can leave you seriously vulnerable. Whether you live near the water or not, flood risk is real—and flood insurance offers critical peace of mind. We help homeowners, renters, and landlords secure coverage that fits their home’s location and risk level.
What Flood Insurance Can Cover
Building Coverage
Pays to repair or rebuild your home’s structure, including walls, foundation, and electrical systems, after a flood.
Personal Belongings
Protects furniture, clothing, and appliances damaged by floodwaters.
Basement Coverage
Includes limited coverage for essential systems and personal items stored below ground level.
Temporary Housing
May assist with the cost of temporary living arrangements after a covered flood event.
Frequently Asked Questions
Do I need flood insurance if I’m not in a high-risk zone?
Yes—nearly 25% of all flood insurance claims come from outside high-risk areas. Heavy rains and poor drainage can cause serious flooding even in lower-risk neighborhoods. If you live in Florida, flood insurance is a smart investment regardless of zone.
Is flood damage covered by my home insurance policy?
No—standard home insurance policies exclude flood damage. You’ll need a separate policy to protect against water damage from rising tides, storm surge, or heavy rainfall. We’ll help you understand what’s covered and where your risks are.
How is the cost of flood insurance determined?
Rates are based on factors like your home’s elevation, location, flood zone, and building characteristics. We work with FEMA’s National Flood Insurance Program and private carriers to find the most affordable, appropriate policy for your property.
Can renters and condo owners get flood insurance?
Yes! Renters can protect their personal property, and condo owners can insure their unit interior and belongings. Even if your building is covered by an HOA master policy, your individual space and valuables are still at risk.