Flood Insurance in Florida

Flood damage is generally excluded from standard homeowners, condo, and commercial property policies. Given Florida's low elevation, heavy rain events, and hurricane exposure, flood insurance is worth considering for many properties in our area, not just those in designated flood zones.

Our agents help homeowners, condo owners, and business owners look into flood coverage options so you can better understand your exposure and the choices available to you.

What Flood Insurance Can Help Cover

• Structural damage to your home or building caused by flooding
• Damage to certain systems, such as electrical and plumbing, from floodwater
• Personal belongings and contents, depending on the policy
• Debris removal made necessary by flood damage
• Coverage options for both homeowners and renters, depending on the policy type

Who This Coverage Is For

Flood insurance is worth a conversation for any property owner in Florida, including homes outside of designated high-risk flood zones. Our agents can help you look into available options based on your property's situation.

Flood Risk in Florida

Florida's flat terrain and coastal location mean that heavy rain and storm surge can affect a wide range of properties. Flood insurance is typically purchased separately from a homeowners, condo, or commercial policy, and there is often a waiting period before coverage begins, so it's worth discussing timing with your agent.