Private Flood Insurance


A Unique Flood Product for a Unique State. Florida's landscape provides a challenging backdrop for many homeowners. Surrounded by water on all sides but one, our state has a subtropical climate that is prone to hurricanes, tropical storms, and downright downpours. Our private flood endorsement can help protect you and your home. 

Do you need flood insurance? The most common and costliest natural disaster in the U.S. is flooding. Flood protection is not included on a standard homeowners insurance policy. Though there are different flood zones to assess homes, everyone is at risk.

How does our Flood Endorsement compare to the National Flood Insurance Program (NFIP)? Our rates are up to 15% lower than those available through the National Flood Insurance Program, and there is no waiting period for our flood coverage to go into effect. Mortgage companies will accept private insurance - American Integrity is one of less than a handful of insurance companies that has taken the extra step of obtaining a certification from Florida's Office of Insurance Regulation stating that our coverage is at least as broad as that offered by the NFIP. 

Flood Chart

This coverage will be available for customers in certain areas for the following lines of business:   

  • Homeowners (HO-3)
  • Condo (HO-6)
  • Rental, Seasonal or Vacant Properties (DP-1 or DP-3)
Contact your agent today to find out if you qualify. ​
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