Compare the actual terms, not just the limit.
A flood comparison should consider the property insured, building and contents valuation, deductibles, exclusions, waiting or effective-date provisions, loss history, lender requirements, and how excess protection follows the underlying coverage.
Private-market review
- Property and occupancy eligibility
- Building and contents limits
- Valuation, deductible, and coverage differences
- Underwriting information and inspections
Excess flood review
- Underlying policy and required limits
- Attachment point and excess capacity
- Consistency of covered property and causes of loss
- Coordination of effective dates and policy terms
Private and excess flood questions
What is private flood insurance?
Private flood insurance is issued outside the federal flood program. Forms, eligibility, limits, valuation, deductibles, exclusions, and underwriting requirements vary by insurer and property.
What is excess flood insurance?
Excess flood coverage may provide additional limits above qualifying underlying flood insurance. The underlying policy, attachment point, covered property, and excess terms must be coordinated.
Can I begin online?
Yes. Use the Cox & Associates online flood rater to begin a private or excess flood quote. Final options depend on property details, requested limits, eligibility, and available market terms.
Coverage and market descriptions are general. Eligibility, limits, valuation, deductibles, exclusions, terms, and availability vary. Review actual quotations and policy forms.