fbpx

Flood Insurance Quote

Get Top 10 Flood Insurance Rates!

Flood Insurance as Easy as 1-2-3

AS SEEN ON:

AS SEEN ON:

We Consistently Maintain 5-Star Reviews Across Review Sites

★★★★★

★★★★★

★★★★★

★★★★★

★★★★★

★★★★★

Compare Flood Insurance Rates

Get the Best Quotes within Minutes

10 Fast Quotes from Top-Rated Insurance Companies

  • Compare Prices & Start Saving Today
  • Rated A+ by AM Best
  • Built to Save YOU Money!
  • Get Competitive Quotes
Insurance Business America Top Award

Affordable Flood Insurance Quotes in Minutes

Select Your State

NYCTNJ – FL – CATXCODEGAILMDMAMINVNCOHPARISCTNVTVAWI

ny flood insurance

New York Flood Insurance

Flood Insurance for Long Island and Coastal New York is ever changing and requires local expertise. The licensed insurance advisors at Coastal Insurance Solutions have the experience required to help you find the Flood Coverage you need to protect your home. 

Learn More

ct flood insurance

Connecticut Flood Insurance

Connecticut homeowners with coastal flood exposure should look no further than the licensed team at Coastal Insurance Solutions. We will help you compare flood quotes that fit your unique needs.

Learn More

flood insurance nj

New Jersey Flood Insurance

New Jersey homeowners have a great deal to consider when choosing Flood Insurance for their homes. Partner with our team of New Jersey home insurance experts to compare quotes and customize your coverage.

Learn More

florida flood insurance

Florida Flood Insurance

Florida remains a difficult market for both homeowners seeking Flood Insurance as well as the insurance companies providing coverage. Florida homeowners require a partner with an experienced independent agent like Coastal Insurance Solutions.

Learn More

california flood insurance icon

California Flood Insurance

For California homeowners looking to guard against flood exposure, our experienced team of licensed insurance advisors will help you secure the Flood Insurance coverage you need to protect your home.

Learn More

tx flood insurance quote

Texas Flood Insurance

We partner with the finest insurers in Texas to offer superior coverage at maximum value. Texas homeowners with flooding exposure should include Flood Insurance in their customized Home Insurance package.

Learn More

flood insurance quotes colorado

Colorado Flood Insurance

Colorado homeowners can look no further than our state licensed team of insurance advisors when looking to compare Flood Insurance quotes. The licensed insurance advisors at Coastal Insurance Solutions have the experience required to help you find the Flood Coverage you need to protect your home.  

Learn More

flood insurance delaware

Delaware Flood Insurance

Delaware homeowners can partner with Coastal Insurance Solutions to compare customized Flood Insurance quotes. Our team of state licensed advisors will find you the best coverage and lowest rates from the finest insurers offering coverage in Delaware. 

Learn More

ga flood insurance rates

Georgia Flood Insurance

Let our Georgia state licensed advisors customize a Flood Insurance policy to fit your unique insurance needs. Our experienced team will partner with you to compare rates from the finest insurers offering coverage in Georgia.

Learn More

illinois flood insurance

Illinois Flood Insurance

Compare Flood Insurance Rates for your Illinois home. Our experienced team of state licensed insurance advisors will help you find the best coverage at the lowest rates.

Learn More

md flood insurance

Maryland Flood Insurance

Maryland homeowners can often be challenged when seeking Flood Insurance. Our experienced team of state licensed advisors will partner with you to compare rates from the finest insurers in Maryland and secure the coverage you need.

Learn More

flood insurance ma

Massachusetts Flood Insurance

Finding affordable Flood Insurance can be difficult for coastal Massachusetts homeowners.  Our team of experience insurance advisors can help you compare customized Flood Insurance quotes and secure coverage for your Massachusetts home.

Learn More

mi flood insurance quote

Michigan Flood Insurance

Featuring two peninsulas surrounded by the Great Lakes, Michigan offers unique challenges to homeowners looking to properly insure their homes against Flood exposure.  The licensed insurance advisors at Coastal Insurance Solutions have the experience required to help you find the Flood Coverage you need to protect your home.

Learn More

nevada flood insurance coverage

Nevada Flood Insurance

Even in the dessert, Nevada Homeowners require specialized coverage to properly insure their homes against flooding exposure. Partner with our team of Nevada home insurance experts to compare quotes and secure coverage.

Learn More

nc flood insurance

North Carolina Flood Insurance

Homeowners in North Carolina can often find that insuring their property against Flood exposure can be a challenge. The highly experienced team at Coastal Insurance Solutions has access to all the top insurers in the state and will tailor a customized Flood Insurance policy.

Learn More

ohio flood insurance rates

Ohio Flood Insurance

Ohio homeowners looking for superior Flood Insurance coverage at the lowest possible rates will benefit from partnering with Coastal Insurance Solutions and our team of insurance advisors to compare customized quotes. 

Learn More

pa flood insurance

Pennsylvania Flood Insurance

Coastal Insurance Solutions has an experienced team of state licensed advisors that will partner with you to compare Flood Insurance rates from the finest insurers in Pennsylvania.

Learn More

ri flood insurance

Rhode Island Flood Insurance

Rhode Island homeowners with coastal Flood exposure have much to consider when insuring their properties.  Our team of state licensed advisors will find you the best coverage and lowest rates from the finest insurers offering Flood Insurance coverage in Rhode Island. 

Learn More

south carolina flood insurance

South Carolina Flood Insurance

With its coast on Atlantic Ocean, South Carolina can often be a difficult market to secure Flood Insurance at an affordable rate.  The highly experienced team at Coastal Insurance Solutions has access to all the top insurers in the state and will tailor a customized policy to your unique needs.

Learn More

tn flood insurance

Tennessee Flood Insurance

The Mississippi River the presents the greatest challenge to Tennessee homeowners looking to protect their homes from Flooding exposure. Our state licensed insurance advisors at Coastal Insurance Solutions will help you compare customized quotes from the top insurance companies to fit your unique needs.

Learn More

vt homeowners insurance

Vermont Flood Insurance

Vermont homeowners have special coverage considerations when looking to insurance their homes against flood exposure. The highly experienced team at Coastal Insurance Solutions has access to all the top insurers in the state and will tailor a customized policy to your unique needs.

Learn More

va flood insurance quote

Virginia Flood Insurance

From Virginia Beach to Richmond, homeowners in Virginia have much to consider when choosing property insurance. Partner with our team of Virginia home insurance experts to compare Flood Insurance quotes and customize a home insurance package.

Learn More

wi flood insurance

Wisconsin Flood Insurance

Flanked by Lake Superior and Lake Michigan, Wisconsin offers unique challenges for Homeowners when it comes to properly insuring their homes. The team at Coastal Insurance Solution will customize a Flood insurance policy to fit your home insurance package.

Learn More

What Does Flood Insurance Cover That My Homeowners Does Not?

Select Your State

NYCTNJ – FL – CATXCODEGAILMDMAMINVNCOHPARISCTNVTVAWI

Flood Insurance Coverage for Your Home

A standard home insurance policy offers protection against many water-related risks, such as spills and overflows. But a standard policy does not protect against floods.

You can think of a flood as water that touches the ground before it enters your home.

If your home is at risk from flooding or your lender requires flood insurance, a dedicated flood insurance policy can offer more comprehensive protection for your home and belongings.

Today’s market brings more options for flood insurance:

  • FEMA-backed NFIP flood coverage: The national flood insurance program (NFIP) remains the largest flood insurance provider in the nation. An NFIP policy backed by the Federal Emergency Management Agency (FEMA) can protect your home and belongings subject to the policy limits you choose.
  • Private-market flood insurance: Several private-market insurers started offering flood coverage as an alternative to NFIP coverage in recent years. In some cases, these private-market options offer lower premiums, higher coverage limits, or more comprehensive coverage when compared to NFIP policies.
  • Excess flood insurance: An excess flood insurance policy can extend the coverage limits of an underlying NFIP or private market policy. Because an excess flood policy acts as secondary coverage and sees fewer claims, protecting your home to its full rebuild value becomes more affordable.

What Does Flood Insurance Cover?

A standard flood insurance policy offers two primary coverages against flood risks.

  • Building coverage
  • Contents coverage

Building coverage for your home protects the building itself as well as attached fixtures, plumbing and electrical systems, furnaces and water heaters, carpeting and flooring, and more.

Your building coverage also protects detached garages and solar energy equipment. Refrigerators, stoves, and built-in dishwashers fall under this coverage as well.

Contents coverage offers protection for your belongings. This coverage includes clothing, furniture, electronics, and detached appliances, such as washers, dryers, and microwaves. You’ll also find limited coverage for valuables, including artwork and furs.

Flood insurance works in tandem with a well-designed home insurance policy to provide coverage that isn’t available with standard home insurance policies. This add-on approach helps keep the cost of homeowners insurance more affordable. If a specific property requires flood coverage, flood insurance is always available as a separate policy through the NFIP. Several private market insurers now also offer coverage in many areas.

Can I Get Flood Insurance for a Condo or an Apartment?

Renters and condo owners can purchase flood insurance as well. The NFIP offers up to $100,000 in contents coverage for renters. Because the policy does not insure the building itself, flood coverage for renters can be more affordable when compared to premiums for a single-family home.

For condo owners, the condo association may carry flood insurance for the building, called a Residential Condominium Building Association Policy (RCBAP). The RCBAP protects the building, common areas, and individual condo units. However, this coverage does not insure your belongings. You can purchase flood coverage for your belongings through the NFIP or a private market provider, much like a renters flood insurance policy.

Should I get NFIP Flood Insurance or a Private Market Policy?

Until recently, homeowners and renters had few options for flood coverage, with the NFIP being the only choice in some areas. With improved mapping and technology advances, insurers now better understand flood risk. These changes brought several new providers into the flood coverage market.

In many areas, you’ll have a choice between an NFIP policy or a private market policy. For some homes, a private market policy may offer the best solution. Our experienced advisors walk you through your options so you can compare rates and policy options.

A private market flood insurance policy can bring several benefits:

  • Lower premiums: In many cases, a private market flood policy can cost less than an NFIP policy.
  • Higher coverage limits: NFIP policies cap building coverage at $250,000 and contents coverage at $100,000. Some private market policies offer higher coverage limits, allowing you to protect your home’s full rebuild value.
  • Seamless coverage for flood risks: Flood definitions for NFIP policies can leave potentially costly gaps in coverage. Some private market policies offer broader coverage that dovetails with your standard home insurance coverage seamlessly, eliminating these coverage gaps.
  • Wide acceptance by lenders: Government-backed home loans typically require flood insurance for high-risk properties. Several private market insurers offer policies that work as a plug-in replacement for an NFIP policy, ensuring broad acceptance with home lenders.

NFIP flood insurance policies still play an important role in protecting homes. Many homeowners in at-risk areas choose an NFIP policy as their base coverage and then supplement coverage with an excess flood insurance policy that offers higher coverage limits.

Reach out Today to Compare Flood Insurance Rates

Give us a few minutes to learn about your flood insurance needs. We’ll take it from there. Our independent insurance advisors can provide multiple quotes from leading insurers in just minutes and with no obligation.

Each home has unique coverage needs, and flood insurance can be challenging to understand if you don’t read insurance policies every day. We’ll explain your coverage options in plain language so you can make an informed buying decision.

For most households, the family home is the largest single purchase they will ever make. Let the experienced insurance advisors at Coastal Insurance help you protect your home against flood risks at the best price possible.

National Flood Insurance Rate Changes 2022

Helpful Flood Insurance Articles

National Flood Insurance Rate Changes for 2022

National Flood Insurance Rate Changes for 2022

The flood insurance market saw significant changes in 2021, with the two-phase rollout of Risk Rating 2.0 from the National Flood Insurance Program (NFIP) setting the stage for flood insurance rates in 2022. Most homeowners who carry flood coverage insure for flood...

read more
NFIP Flood Risk Rating 2.0 – What it Means for You

NFIP Flood Risk Rating 2.0 – What it Means for You

4 min read. September, 29, 2021 – by David Clausen Although several new private market flood insurers have entered the market in recent years, FEMA’s National Flood Insurance Program (NFIP) still serves as the base policy for most homes insured for flooding. The...

read more
National Flood Insurance Rate Changes for 2021

National Flood Insurance Rate Changes for 2021

Flood insurance rates are increasing soon for some homeowners, but there’s still time to act. Many homeowners carry flood insurance through the National Flood Insurance Program (NFIP). But private market insurers now offer an attractive choice when buying flood...

read more