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.