Flood Insurance FAQs

We shop multiple markets on your behalf to find the right flood insurance option. Because each carrier may have different payment methods and requirements, the easiest way to ensure you receive accurate instructions is to call us at 866-503-5663. A Flood Expert will walk you through the payment process and ensure your policy is set up correctly.

One big reason: we quote with multiple carriers—on purpose.

Flood insurance prices can vary a lot depending on a few things, like:

• Your deductible

• How much coverage you choose

• Optional coverages (like contents, basement, etc.)

But here’s what most people don’t realize:

Insurance companies also price based on how much business they already have in your area.

So if one company already insures a lot of homes in your ZIP code, they may charge more to limit their risk.

Another company with fewer homes nearby may offer a better price.

That’s why we make sure to check with multiple carriers—so you get the best rate for your exact location and coverage needs.

​Easy! Simply visit our quote page for an NFIP and private flood insurance quote. Enter your address and foundation type to discover your new low rate. You can choose your coverage options and find a flood policy that meets your needs.

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This process usually takes less than 5 minutes.

Yes! Both the NFIP and private flood insurance can be billed directly to your mortgage company.

• First-Year Payment: The first year's premium is usually paid upfront at policy creation.

• Renewals: After the first year, we can bill your mortgage company, and payments will be made directly from your escrow account.

Want to set up escrow billing? Let your lender know, and we will assist them.

Both NFIP and private flood insurance typically have waiting periods before coverage begins. If you’re closing on a loan, waiting periods are typically waived!

• NFIP: Standard 30-day waiting period, but can be waived for loan closings.

• Private Flood Insurance: Shorter waiting periods, often 10-15 days, can also be waived for loan closings.

That's a great question! You'll need to show your lender proof of replacement coverage. Watch our video, or check out our blog post to learn more.

Contact us 60 days before the renewal of your policy, and we'll walk you through it! 866-503-5663