Flood Insurance
Flood insurance is one of the most overlooked—but financially critical—parts of protecting a property, especially in Florida. Standard homeowners and commercial policies do not cover flood damage, leaving a major gap that can result in significant out-of-pocket losses. With rising storm frequency, changing flood maps, and evolving insurance markets, having the right flood coverage—whether through the National Flood Insurance Program or private carriers—is no longer optional; it’s a key part of any smart risk management strategy.
You Have Choices When It Comes To Flood Insurance
Wright Flood
One of the most established names in flood insurance, offering both NFIP-backed and private flood options. Wright is known for reliability and scale, making it a go-to market for standard placements as well as customized private solutions.
AON Edge
A private flood program designed for customized, higher-limit coverage that goes beyond NFIP restrictions. Aon Edge focuses on flexibility, making it a strong fit for higher-value homes and clients needing tailored protection solutions.
Assurant Flood Solutions
A large, institutional-backed provider delivering both private and NFIP flood solutions. Assurant is widely used for its strong infrastructure, consistent underwriting, and ability to handle a broad range of property types.
Neptune Flood
A leading private flood insurer known for its technology-driven underwriting and fast quoting process. Neptune offers high coverage limits, flexible options beyond NFIP, and broader protection including additional living expenses and basement coverage. It’s one of the largest private flood providers in the U.S., backed by major reinsurers.