Primary and Excess Flood Insurance

All Risks offers Private Flood insurance, both Primary and Excess, with higher limits and more robust coverage than the National Flood Insurance Program (NFIP). Contact us today to receive a Flood insurance quote.

Targeted Classes - Primary Flood

  • Occupancies
    • Owner – Primary
    • Owner – Secondary
    • Rental – Annual
    • Rental – Seasonal
    • Vacant
    • Builder's Risk

Excluded Classes - Primary Flood

  • Risks located partially or entirely over water, in a FEMA COBRA Zone, in a FEMA Floodway and Condos

 

Targeted Classes - Excess Flood

  • Residential dwellings (1-4 family)
  • Apartments and condominiums

 

Get a Quote

A signed brokerage agreement is required before receiving a quote. Request one today by filling out a partnership request form.

Call - Call 877-275-9578 for quoting via phone. See available states below.

States Available

Phone Quoting: 877-275-9578

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Idaho
  • Indiana
  • Iowa
  • Kansas
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Email Quoting: QuickHomeQuotes@allrisks.com

Nationwide except Alaska, Hawaii, Illinois and Kentucky

Highlights

Primary Flood

  • A.M. Best “A” rated carrier
  • Higher limits and broader coverage than the NFIP
  • Dwelling: Up to $1,000,000
  • Contents: Up to 70% of dwelling value
  • Other Structures: 10% of dwelling value
  • Loss of Use: Up to 20% of dwelling value
  • No waiting period
  • No elevation certificate required
  • Multiple deductible options

 

Excess Flood

  • All Flood Zones (excludes COBRA and non-participating communities)
  • Up to $10,000,000 TIV
  • No restrictions on coverage limits (cannot be excess replacement cost of home)
  • No minimum requirements
  • Email Quoting
Coverage

Primary Flood

  • Dwelling
  • Contents
  • Other Structures
  • Loss of Use
  • Loss Avoidance
  • Mold Prevention Costs
  • Debris Removal
  • Increased Cost of Compliance

 

Excess Flood

  • Building, Contents and Loss of Income (Content and Loss of Income only offered in conjunction with Building coverage)
  • Offered as Excess to underlying Flood coverage
Binder Requirements

Primary Flood

  • Signed application
  • Diligent effort form (if applicable)
  • State affidavit (if applicable)

 

Excess Flood

  • Flood Zones A and V require elevation certificates for quoting
  • Signed application
  • Diligent effort form (if applicable)
  • State affidavit (if applicable)

 

Binding made easy with a centralized bind request e-mail, or call 877-275-9578.