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Excess Flood
Coverage above the NFIP policy limits ​​​​

​​With the National Flood Insurance Program limiting coverage on residential buildings to $250,000 and almost 40% of the homes in the U.S. worth more than that amount, your clients with high-valued homes may want additional coverage in the event of a catastrophic flood.

The Excess Flood plan 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

Plan Highlights

  • Coverage for Residential and Commercial properties
  • 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
  • Terrorism available for Non Residential and Other Residential risks

Eligible Risks

  • Residential properties
  • Commercial properties

Ineligible Risks

  • Buildings in COBRA zones
  • Buildings in Emergency Program
  • Negative elevated risks
  • 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