Flood Insurance
Protection against rising waters.
The peril your home policy excludes. We price both the FEMA-backed National Flood Insurance Program and private flood against your elevation and zone.
Chapter 01
Flood is excluded from every home policy
This is worth stating without hedging, because it is the assumption that costs Florida households the most money: a standard homeowners policy does not cover flood. Not a reduced amount, not a share. It is a separate policy or it is not covered.
The same is true for condo and renters policies. If water rises and enters the building from outside, the cover has to have been bought separately and in advance.
Storm water standing across a Florida residential street after heavy rain
NFIP and private flood, priced side by side
We write both the FEMA-backed National Flood Insurance Program and private flood insurance, which means we can put the two in front of you together rather than defending whichever one we happen to sell.
Which of them wins is genuinely property-specific. Elevation, how close you sit to water, and the regional flood zone you fall in all move the answer, and they can move it a long way between two houses on the same street.
Chapter 03
What actually counts as flood
Storms and hurricanes, heavy rainfall, overflowing rivers, lakes and storm drains, and coastal storm surge. That is the peril being covered, and it reaches well beyond the properties people think of as waterfront.
A meaningful share of Florida flood claims come from outside the highest-risk zones, because water follows grade and drainage rather than a map boundary. Being outside a high-risk zone is a reason to price flood, not a reason to skip it.
AutoLife places this line with A-rated carriers from the office at 3691 Webber Street, Sarasota. Call 941-210-4499.
Other lines we place
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