Excess Flood is private flood insurance designed to supplement or cover an existing flood policy such as the NFIP primary residential or commercial, or an EZ Flood policy.

Why Excess Flood Coverage?

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.

Excess Flood Features:

• Residential properties - up to $5 million building and contents coverage beyondthe NFIP policy and EZ Flood limits
• Coverages for residential and commercial properties (excluding condominiums)

• Commercial properties - up to $5 millionbuilding and contents coverage beyond the NFIP policy limits
• Available in all states except AK, DC, and KY

• Coverage for structures with replacement cost value up to $15 million