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Flood Insurance in Florida
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Flood insurance, in many cases, is very affordable. The National Flood Insurance Program ( NFIP ) is a Federally funded program which has subsidized insurance premiums; keeping the cost down for most Florida residents. Unfortunately, in some areas along Florida's coast, on barrier islands and throughout the Florida Keys, flood insurance can be extremelly expensive. For these Florida residents the agents at Hamilton Fox & Company can secure coverage outside of the National Flood Insurance Program ( NFIP ) and through a select group of Private Flood insurance carriers.
The select group of Private Flood insurers can provide significant cost savings to these Florida residents. In addition to cost savings, Private Flood insurers can also provide greater coverage limits, more deductible options and they can even waive the standard 30-day waiting period that is associated with NFIP policies. Some Private Flood insurers don't even require an elevation certificate which furthers saves these Florida residents time and money.
Obtaining homeowner's insurance should bring peace of mind, but getting a basic policy isn't enough, especially if you live in Florida or near the coast. Homeowner's insurance (and renter's insurance, for that matter) usually don't cover flooding. Sometimes policyholders try to reduce costs by forgoing flood insurance, especially those who have just moved to the state. But that is not a good move and will only cost you later. If you live in Florida, you need flood insurance, and Hamilton Fox & Company can help you get an appropriate policy in place.
Let Hamilton Fox & Company help you protect your home and your budget. To learn more about flood insurance, The National Flood Insurance Program ( NFIP ) or the Private Flood insurance marketplace contact a Hamilton Fox & Company agent today.
To speak directly to an agent dial 855-4A-QUOTE (855-427-8683).