A standard homeowners policy does not pay for flood. We place flood nationwide. In Palmetto Bay, Cutler Bay, and along Biscayne Bay, that is not a footnote — it is the exposure.
We help you compare NFIP and private flood, including contents, waiting periods, and whether your elevation actually helps. You can start a private quote online in minutes.
Florida, specifically
South Florida floods from rain as much as from the bay. Zone X is not a guarantee. If water can reach the slab, we talk about flood — even when the bank does not require it.
What it typically includes
- Building structure from flood waters
- Contents and personal property (when elected)
- Storm surge, riverine, and heavy-rain flooding
- Detached structures where the form allows
- Business locations as well as homes
A good fit if
- Anyone in a mapped flood zone
- Homes near canals, the bay, or low lots
- Mortgage requirements for flood
- Owners outside a zone who still saw street flooding