Find the perfect flood insurance policy for your needs


2015 has been a very difficult and challenging year for Flood insurance policyholders. FEMA has remapped specific areas throughout Florida. As a result, your home may now be in a high-risk flood zone based on the new FEMA flood maps. Most mortgage companies require a borrower to carry flood insurance if they are in a high-risk flood zone.

In addition several new surcharges “NFIAA” have been implemented by FEMA These surcharges are applicable to the occupancy type and location of your property. Surcharges can run from $25 or higher.

Contrary to popular belief, unlike all other insurance products offered in Florida, flood insurance is a national program and regardless of which carrier providing coverage, the rates are the same and the program coverage is identical. If not quoted property the rates may differ.

National Flood Insurance Program Policy Type

Standard Flood Insurance Policies

If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered. You must apply for building coverage and contents coverage separately.

Preferred Risk

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost Preferred Risk Policy. Contact us today to find out more and get a personalized quote.

* There are several Lloyd’s private market flood products that have rates may that differ from the FEMA program.

When buying flood insurance for your mobile home/Condo the same basic coverage option apply. Please remember a licensed insurance agent is just a phone call away at All American Insurance Consultants 754-263-2160.

Please note the description of coverage is not the property of All American Insurance Consultants.
This is a universal description set forth by the State of Florida. More details can be found at Auto tool kit issue of 2015.