An excess flood insurance policy is offered in some areas for homeowners that have property that exceeds the insurance limits of the NFIP government regulated program. An insurance agent can provide information and determine if you qualify for these additional insurance programs.

In cases of multi-story dwelling in low or moderate flood risk areas partial contect coverage for the basement and first floor levels may be all that is required. Where this is a concern an insurance agent or broker can advise homeowners on the type of policies as well as the coverage needed to properly insure their home and contents against flood damage.

If you are in a flood zone, flood insurance is one of the most important types of insurance to have for your home or your business. It provides safety to those elements and often is a requirement for mortgages on property in this type of an area.