Best Flood Insurance Companies in Florida

Florida is facing increasing weather events and this can have a negative impact on your property. Flooding is the effect of this weather, and you need protection against it. Flood insurance protects your physical and personal property against damage from flooding. Things such as storm surges, levee failures, heavy rains, and blocked storm drains make flooding more likely.

Not every homeowner in Florida requires flood insurance. FEMA estimates that there is a 25% chance you will experience flooding at some point. Here are some of the best Florida flood insurance companies that can protect you.

GEICO

GEICO has local agents that know your neighborhood and helps you to create customized policies. Some of the benefits of working with them include

• Mobile applications for quotes
• Claims can be filed over the phone
• Discounts if you are bundling your homeowners and auto insurance

GEICO has been in business since 1936 and has an AA+ rating with Standard & Poor’s.

Assurant

Assurant has been in business since 1892 and is one of the top flood insurance carriers. The company uses independent local agents that can help you to create a policy to get the maximum coverage. Some of the other advantages of working with Assurant include

• 24/7 claims
• Flex cash lets you add $10 thousand to cover expenses before the claim is processed.
• They underwrite flood policies for other insurance companies, including GEICO.
• You can get service through a local agent, over the phone, or online.

Assurant is very popular from its experience in underwriting flood insurance in Florida. Many Floridians choose it because of the benefits and flexibility it provides.

USAA

USAA was started in 1925 and has an A+ rating with Standard & Poor’s. It offers flood insurance in all 50 states and Washington, DC. USAA gives you many unique benefits including

• Outstanding customer service
• Special discounts and insurance for veterans
• Customizable policies
• Easy access through a mobile app

All of these features make USAA one of the most popular insurance companies to buy coverage in Florida.

Neptune

Neptune focuses on covering property owners that need protection but don’t have lots of time. The company’s policies offer numerous benefits including

• Temporary living expenses
• Replacement costs
• Business interruption
• They cover areas that the National Flood Insurance Program and other carriers will not.

Neptune gives you comprehensive policies that are customizable to your property.

The Insurance Guy

The Insurance Guy works with all the major carriers and will help you to find the best policies. We have a team of dedicated professionals that have years of experience. Now, one knows more about insurance than we do.

Getting the Right Flood Insurance

These are some of the best flood insurance companies in Florida. Finding the right one requires knowing what you want and how the policy applies to your property. We recommend speaking with a local agent that can help you through the process. You want to get the best coverage, that way if anything happens you are prepared.

Customizable policies are the best options that take into consideration your situation. A local agent can help you through this process, so you can find the best companies. They will come out and assess your needs to make the best choices.