Flood insurance
Flood is excluded from homeowners, landlord and builders risk policies. If a property is in a FEMA special flood hazard area, your lender will require a flood policy; outside one, it is still worth pricing.
Quote floodWhat it covers
- The building, through the NFIP or a private flood carrier
- Contents, when you need them
- Private flood limits above the NFIP's $250,000 building limit
Who it's for
Investors and homeowners in or near a flood zone, and anyone whose lender requires flood.
What your lender will ask for
A flood policy naming the lender as mortgagee, building coverage at least the lesser of the loan amount or the maximum available, and its own evidence of insurance.
Questions we hear
Is private flood accepted by lenders?
Most lenders accept private flood that meets federal requirements; we check with yours.
Do I need flood insurance outside a flood zone?
It is not required, but a large share of flood claims come from outside high-risk zones, and coverage there is often inexpensive.
Where we write it
VersiFi quotes nationwide through carriers licensed in each state. State guides:
Get a quote today.
Send the address and your lender's details - we quote with several carriers at once and send the evidence of insurance to your lender. Or call 512-801-8702.