Flood Insurance
Technology tools to help homeowners protect against the most common cause of property loss. Superior coverage with higher limits and faster activation than the National Flood Insurance Program.
Did you know, a typical homeowners insurance policy doesn’t cover damage from external flooding?
40% of flood losses occur outside high-risk zones.
Superior Coverage with Simple, Super-Fast Delivery
Homeowner’s policies don’t cover damage from external flooding—not because the risk is low, but because it is so prevalent. Flooding produces the highest frequency and highest severity losses for homeowners.
Our flood insurance solution offers far higher limits and broader coverage than the National Flood Insurance Program (NFIP), providing up to $2 million of building coverage and $1.3 million for contents, backed by highly-rated insurers.
We also offer an industry-first $10,000 coverall endorsement that can be used for any interim needs until repairs are made. And our coverage takes effect within a week, compared to the NFIP’s 30-day waiting period.
How we Compare to the NFIP
See why our flood insurance offers superior protection
Feature
Effective Coverage
NFIP
Building Coverage
Up to $2M
$250,000
Contents Coverage
Up to $1.3M
$100,000
Waiting Period
5-7 Days
30 Days
Deductible Options
$1,000-$10,000
Limited
Program Highlights
The key to our flood program is industry-leading technology that streamlines the submission process and enables quick quotes.
- No elevation certificates or appraisals required
- High-resolution data makes quoting and binding easier
- Competitive rates – on average 10% more cost effective than NFIP
- Industry-leading customer service
- Backed by highly-rated insurers
Availability
All states excluding Louisiana, Alaska, Kentucky, and Hawaii
Coverage Highlights
- Building: Up to $2 million
- Contents: Up to $1.3 million
- Deductibles: $1,000 to $10,000
- Waiting period: 5-7 days
Eligibility
- Exclusions for barrier islands, manufactured homes, two or more previous flood losses, and more
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Protect Your Home from Flood Damage
Give us an opportunity to show you how simple it can be to provide valuable flood protection for your home. To start a quote, click the button below or contact us.
Product availability through Effective Coverage may vary by state.