From Quote to Covered in as Little as 5 Minutes!

Get a private flood insurance quote and pay for your policy online! Our instant flood quote tool assesses rates from numerous carriers in seconds to get you the best coverage for the lowest price. Looking for an NFIP policy? Give us a call!


The Fastest Flood Insurance Coverage at a Low Cost


Get A Quote

Get an online quote within minutes. No need to wait around for an email!

est: 2-4 min


Pay Online

Happy with your quote? You can pay for your policy right then in our 100% online process

est: 1 min


Receive Your Policy

That's it! We'll email you a copy of your policy.

est: immediate

Do I Need Flood Insurance?


If you live in a high-risk flood area, your lender will likely require you to obtain flood  insurance. Even if it's not required, there are some areas where flood insurance is still recommended. If you're unsure what flood zone you're in, use our Flood Zone Map tool

If you need help, just give us a call! Floods can occur anywhere, even outside of a high-risk zone. Most homeowners insurance does not cover flood damage, so get the coverage you need now with our easy online process. Don't wait until it's too late!

Flooding can happen anywhere it rains!

What is covered by flood insurance?

It depends on whether you choose a private policy or a policy through the National Flood Insurance Program (NFIP). Coverage limits, basement contents, additional living expenses, and more, can all vary drastically . If you opt for an NFIP policy, $250,000 is the maximum coverage available for your home. If you're unsure which policy to choose, call us! We're happy to help.


Private Flood Insurance

Private flood insurance gives you coverage options that are not available from the NFIP, like Additional Living Expense coverage, Basement Contents coverage, as well as the option to include appurtenant structures on the same policy. Private flood insurance also offers higher limits


An NFIP policy is an easy option if you don't need things covered like a swimming pool, personal belongings in your basement, and you only need $250,000 worth of building coverage. 

Quick NFIP vs Private Flood Insurance Comparison

Let's Compare:
Private Policy
NFIP Policy
Compliant with State Insurance Laws
Maximum Building Coverage Amount
Maximum Contents Coverage Amount
Additional Coverage Options Available**
Additional Living Expenses, Debris Removal & Carports
Basement Coverage*
Paint, Flooring, Baseboards, Personal Property, and more.
Drywall (no tape or mud)
Additional Fees Required for Coverage of More Than One Structure
Waiting Period for Policy Inception
15 Days
30 Days

*To see what is covered by NFIP, Click Here! See Page 9.

**Limited coverage may be available for detached garage.

Get a Quote Online in as Little as 5 Minutes!

Let Us do the Work For You! Give Us a Call.


We Know Flood Insurance


Who Are We

INX Insurance Services, LLC, is proud to operate, a platform created to offer you a simple, online solution for purchasing flood insurance. 


For many years, flood policies were only available through FEMA's National Flood Insurance Program (NFIP).  Lack of competition allowed rates and coverage options to go unchecked, resulting in unfair premiums and gaps in insurance coverage.


Whether you're looking for private flood insurance, or a policy through the NFIP, we're here to help.  We can offer you great coverage at a low cost and a tailor-made policy to fit your needs. 


How We Save You Money

  • True Risk Analysis for a Great Price - Our advanced mapping technology analyzes multiple data points specific to your home for an accurate rate. The NFIP relies on outdated flood maps to calculate premiums.

  • No Subsidized Rates - Nearly 80% of households that receive NFIP subsidies live in counties that rank in the wealthiest areas.  If you aren't lucky enough to be on the receiving end of these subsidies, you are likely being overcharged to benefit those that are.

  • No Elevation Certificate Required - The national average cost for an elevation certificate is around $600, but can reach up to $2,000.  Our technology allows us to evaluate and price most properties within minutes, and eliminates the need to wait days for an engineer or surveyor to visit your home to create an expensive elevation certificate.    


Flood Experts

The team at is so passionate about flood insurance that it's all we do!  With 20 years in the insurance industry, we have the relationships, knowledge and expertise to find you the best coverage at the best price. Get your instant flood insurance quote and even issue your policy entirely online!

Customer Reviews