The National Flood Insurance Program limits coverage on residential buildings to $250,000, but 50% of the homes in the U.S. are worth over $408,000. Your clients with high-valued homes may want additional coverage in the event of a catastrophic flood.

The Excess Flood solution enables you to offer higher limits of flood coverage to your clients, so that in the event of a superstorm, your client is better situated to be able to recover more.
 

Download Excess Flood Highlight Sheet

Program Highlights

• Coverage up to $5MM (building and contents combined) for structures with replacement cost value up to $15MM

• Available in all states except AK, DC, and KY

• We offer coverage for all residential risks except condominiums

Eligible Risks

• Residential properties

• Commercial properties

Ineligible Risks

• Buildings in COBRA zones

• Buildings in Emergency Program

• Non-residential contents

• Contents coverage without building coverage

• Residential Condominium Building Association Policies (RCBAP) and single condo units

• Risks with total replacement cost/actual cash value greater than $15MM