Florida Flood Insurance: Understand Your Options

 Generally, no. Standard homeowners policies typically exclude flooding caused by rising water. Flood insurance is generally purchased separately. We can review flood coverage alongside your homeowners insurance so you understand how the policies work together. 

 A lender may not require flood insurance outside certain higher-risk flood zones, but that doesn't mean flooding can't occur there. We help clients look at their property, coverage options and individual risk rather than treating the flood-zone designation as the entire conversation. 

 NFIP flood insurance is provided through the federal National Flood Insurance Program, while private flood insurance is offered by private insurers. Coverage limits, underwriting, pricing and policy features can differ. Depending on the property, we can compare available options rather than assuming one market is right for everyone. 

 That depends on the property, lender requirements, building value, contents and the amount of risk you want to protect. Flood policies can also have different limits and terms, so we look at more than simply whether a policy satisfies a mortgage requirement. 

 Yes. We routinely review flood alongside homeowners coverage and can explore NFIP and available private flood options. Even if your lender doesn't require flood insurance, you're welcome to ask us to quote it so you can make an informed decision.