EZ Flood private flood insurance is designed for both residential properties in higher-risk and coastal areas where mandatory flood insurance purchase requirements apply, and residential properties in lower-risk, non-mandatory flood zones.

Quote/Rate/Bind in Minutes

EZ Flood offers a streamlined and efficient quoting experience, customizable coverage, and innovative solutions, which make this an attractive option for eligible homeowners looking to protect their investment.

Coverage Highlights

EZ Flood® Insurance Videos

EZ Flood® Overview

Learn more about EZ Flood Insurance in this product overview video.

 

EZ Flood® How to Quote

Learn how to quote EZ Flood Insurance in this instructional video.

EZ Flood Features:

  • Customized coverage limits and deductible options
  • Product financially backed by A.M. Best A- rated carriers
  • Option for $5,000 in Additional Living Expenses and $500 in food spoilage coverage
  • Geographic eligibility varies by flood zone
  • Option for $1,000 swimming pool clean-up protection

Flood Insurance Coverage Comparison

EZ Flood

Max. TIV

$2,500,000 combination between building and contents

Max. Building Limit

$2,250,000

Max. Personal Property Limit

70% of building coverage

Claims Settlement for A & V flood zones

Replacement Cost Value for principal residences and Actual Cost Value for secondary residences*

Claims Settlement for B, C & X flood zones

Replacement cost coverage for building and contents

Deductible Options

$1,000/$2,000/$5,000 and $10,000

NFIP

Max. TIV

N/A
 

Max Building Limit

$250,000

Max. Personal Property Limit

$100,000

Claims Settlement for A & V flood zones

Replacement Cost Value for principal residences and Actual Cost Value for secondary residences*

Claims Settlement for B, C & X flood zones

Replacement cost coverage for primary dwelling only

Deductible Options

$1,000 - $10,000

*Replacement Cost loss settlement, applies to a single-family Dwelling provided for the policyholder’s principal residence. At the time of loss, the amount of insurance in the EZ Flood Policy that applies to the Dwelling is 80 percent or more of its full replacement cost immediately before the loss.

Frequently Asked Questions

EZ Flood is available in all states except Alaska, DC, Hawaii, and Kentucky.
Qualifying properties are available in A, B, C, V, and X zones.
Yes. EZ Flood satisfies the federal rule effective July 1, 2019, requiring federally regulated lenders accept private flood insurance that meets the Biggert-Waters Flood Insurance Act of 2012 definition of private flood insurance.
  • Obtain a quote without an elevation certificate  and without providing property photographs
  • Coverage limits exceed the coverage limits offered by the NFIP
  • In some  instances, coverage may be effective immediately
  • Underwriting requires responses to only a handful of questions to prepare a premium indication
  • EZ Flood is not subject to federal surcharges or reserve  fund assessments, and may be less expensive to purchase than NFIP flood insurance
  • Optional coverages available: Loss of use pays up to $250 per day, not to exceed $5,000 per occurrence for additional living expenses and $500 food spoilage coverage. $1,000 swimming pool clean-up protection.
$2,500,000 combination between building and contents. Maximum personal property limit is 70% of building coverage.
There may be instances where a policyholder is cancelled or non-renewed following a claim.
The EZ Flood coverage provisions mirror or exceed that of the NFIP product. For details on cancellations, please refer to the policy jacket under Certificate Provisions.
EZ Flood eligibility is based on property location and certain property characteristics. Eligibility varies by risk.

* Insured should confirm with the lender prior to canceling an NFIP policy and/or in advance of a loan closing transaction.
** Designed for single family residential homes – no waiting period when purchased in advance of a loan closing transaction.