SafeGuard Your Florida Home for the Unexpected
Flooding is one of the most common—and costly—disasters in Florida. Yet many homeowners are caught off guard during hurricane season. That’s because most standard homeowners insurance policies do not cover flood damage. Flood insurance fills that gap, offering the protection you need to recover faster and with less financial strain.
Why Flood Insurance Matters in Florida
Even if you don’t live in a designated high-risk flood zone, your property could still be vulnerable. Over 20% of flood insurance claims come from low-to-moderate risk areas. In Florida, it only takes one stalled tropical storm or a hurricane-driven storm surge to flood a neighborhood that’s never flooded before.
Without flood insurance, the cost of restoring your home, replacing furniture, and removing water is entirely out of pocket. But with the right policy in place, you’ll have critical support when you need it most.
What Flood Insurance Covers
Flood insurance helps protect both your home’s structure and the personal belongings inside it. That includes walls, flooring, electrical systems, appliances, furniture, electronics, and more—up to your coverage limits.
This type of coverage is not included in a typical homeowners policy and must be purchased separately through the National Flood Insurance Program (NFIP) or private carriers. Rates and availability vary based on your location and elevation.
Who Needs Flood Insurance in Florida?
If you live anywhere in Florida—whether on the coast or inland—you should consider flood insurance. Increased construction, heavy rainfalls, and rising sea levels have made flooding more unpredictable than ever. If you’re in a Special Flood Hazard Area (SFHA), your mortgage lender likely requires it. But even in lower-risk areas, it’s a smart way to protect your home and finances.
Local Agents Who Understand Your Risk
At Policy Simple, our licensed Florida agents help you assess your flood risk, explain your options, and choose a policy that fits your home and your budget. We’re not just selling policies—we’re helping Florida homeowners stay protected through every season.
Contact us
Our licensed insurance agents are available to answer all your questions.
