Flood insurance is not a coverage typically included on a homeowner’s policy. Finding and understanding the complexities of flood coverage is not always a simple task.

Brown & Brown’s Personal Insurance specialists work with you to review your options for standard flood insurance and excess flood insurance. While standard flood insurance pays for direct physical damage to your insured property, excess flood extends your limits and coverage beyond government-sponsored National Flood Insurance Program (NFIP) coverages.

In addition to finding coverage, our Personal Insurance specialists can help explain the intricacies of flood insurance, such as when a flood policy may or may not be triggered, what coverages applies and how losses are valued.  We are here to help you make informed decisions.