Flood Insurance
Flooding is the most common cause of property loss in the United States. Our technology-driven flood insurance solutions help homeowners secure broader protection, higher coverage limits and faster activation than the National Flood Insurance Program (NFIP).
Homeowner’s policies don’t cover damage from external flooding.
40% of flood losses occur outside high-risk zones.
Why Do You Need Flood Insurance?
Homeowners 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 NFIP, providing up to $2.5 million of combined buildnig and contents coverage, 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.
Private Flood Insurance vs. NFIP: Why Homeowners Are Switching
See how our private flood insurance solution delivers higher limits, faster activation and broader protection compared with the NFIP.
Feature
Effective Coverage
NFIP
Combined Builting & Contents Coverage
Up to $2.5M
$350,000
Waiting Period
5 Days
30 Days
Deductible Options
$1,000-$10,000
Limited
Flood Insurance Program Highlights
The strength of our flood program lies in our industry-leading technology. Our streamlined digital tools make it easier to submit information, receive fast quotes and secure coverage options quickly.
- No elevation certificates or appraisals required
- High-resolution data makes quoting and binding easier
- Competitive rates – up to 30% less than NFIP
- Industry-leading customer service
- Backed by highly-rated insurers
Availability
All states excluding Alaska, Kentucky, Louisiana, and Hawaii
Coverage Highlights
- Building & Contents: Up to $2.5 million
- Deductibles: $1,000 to $10,000
- Waiting period: 5
Eligibility
- Exclusions for barrier islands, manufactured homes, two or more previous flood losses, and more
Get a Flood Insurance Quote
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 BRP Effective Coverage, LLC may vary by state.
