Florida Flood Insurance

Even though flood insurance is relatively inexpensive,
most homeowners do not choose to purchase the
insurance protection available. According to the Federal
Insurance Administration, less than one-quarter of the
homes in areas most vulnerable are insured against
flood loss. In those areas, flooding is 24 times more
likely to occur than a fire during the course of a typical
30 year mortgage.

A standard homeowners insurance policy will not cover
damages caused by flooding. You must have flood
insurance from an insurer that writes for the National
Flood Insurance Program. If your community
participates in a floodplain management program, you
should be eligible to buy the coverage no matter if your
flood risk is low, medium or high. Residents of "coastal
barrier areas" and communities that do not participate
in floodplain management programs may have trouble
finding flood insurance coverage. Florida flood
insurance is also available to renters, condominium
owners, and co-op owners.

Flood Perils Include:

Outside of fire, flooding is the most widespread natural disaster. According to
the National Flood Insurance Program, two adjacent properties have to be
under water to call the situation a flood. In a rural area, at least 2 acres must
be submerged.

The two primary types of Florida Flood Insurance Policies are listed below.

Actual Cash Value Policy

The value of property as figured by determining the cost to replace the damaged or
destroyed property and adjusting the replacement value by subtracting an amount
that reflects depreciation. Or in other words, replacement cost minus
depreciation. Homeowners are entitled to a replacement cost value if they live in
their homes at least 80% of the time and have flood insurance coverage for at least
80% of their home's market value.

Commercial and apartment buildings will be covered only for actual cash value.

Replacement Value Policy

The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A Florida flood
insurance replacement value policy will pay only the replacement value up to the
coverage limit. For example, if rebuilding your home will cost $400,000, but you
only purchased $300,000 in coverage, your insurance policy will pay you only
$300,000.

Click on the link below to fill out a secure quote request form for a Florida Flood
Insurance policy that will provide excellent personal insurance coverage at an
affordable cost. Or you can speak with our Florida Flood Insurance specialist toll
free at 877-304-2323 to discuss the features.

Click here to fill out a

Florida Flood Insurance

quote request form

We are a Florida based insurance agency offering affordable Florida flood insurance policy
premiums in the following cities and counties: Coral Springs, Fort Lauderdale, Parkland,
Coconut Creek, Margate, North Lauderdale, Lighthouse Point, Hillsboro Beach, Deerfield
Beach, Boca Raton, The Hamptons, Highland Beach, Weston, Plantation, Playland Isles,
Melrose Park, Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park, Lauderdale
Lakes, Sea Ranch Lakes, Villages of Oriole, Pompano Beach, Lauderdale-by-the-Sea,
Boca West, Delray Beach, Boca Pointe, Boynton Beach, Lantana, Rainbow Lakes,
Atlantis, Lake Worth, South Palm Beach, Palm Springs, Greenacres, Wellington,
Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach,
Lake Park, Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach, Loxahatchee,
Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton, Perrine, Naranja,
Homestead, Florida City, Leisure City, Richmond Heights, Pinecrest, Howard, Coral Way
Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North
Bay Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami
Shores, Medley, Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park,
Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol
City, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach,
Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach,
Hallandale Beach, Ives Estates, Pembroke Park, Coral Gables, Kendall, Dania Beach,
Cooper City, Davie, West Miami, Hollywood, Broward County, Palm Beach County, and
Miami-Dade County, FL. We can also offer our Florida flood insurance coverage services
throughout the sunshine state, including Miami, Orlando, Tampa, St. Petersburg,
Tallahassee, and Jacksonville.

Unusual & rapid accumulation of runoff or surface
waters from any source

Overflow of inland or tidal waters

Mud slides caused by flooding

The washing away, collapse, or subsiding of land
along the shoreline due to erosion or undermining
of waves or currents exceeding the cyclical levels

Sewer backup caused by flooding

To review the Federal Emergency Management Agency's
Flood Maps for your property...click HERE!

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.