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Flood Insurance

Flood Insurance Writers in Florida

The list below shows insurance companies in Florida that are currently writing primary or excess flood insurance outside of the National Flood Insurance Program (NFIP) and is based on information that was filed with the Office. Some of these companies write only a limited number of policies or only certain types of flood policies, such as for high value homes. The coverage can be written as a stand-alone flood policy or as an endorsement onto a homeowner’s policy.

For information about coverage or to obtain a quote, the Office recommends contacting the insurance company directly to see what coverage is available or discussing various options with your insurance agent.

Primary Flood Writers


American Home Assurance Company - www.aig.com
American Summit Insurance Company - www.american-summit.com/
Chartis Property Casualty Company - www.aig.com
Federal Insurance Company - www.chubb.com
Firemans Fund Insurance Company - www.firemansfund.com
Homeowners Choice Property & Casualty - www.hcpci.com
Security First Insurance through Wright Flood - www.securityfirstflorida.com

Excess of NFIP Flood Writers


American Home Assurance Company - www.aig.com
American Strategic Insurance Corp. - www.bankersinsurance.com
Chartis Property Casualty Company - www.aig.com
Federal Insurance Company - www.chubb.com
Firemans Fund Insurance Company - www.firemansfund.com
Markel American Insurance Company - www.markelcorp.com
Privilege Underwriters Reciprocal Exchange - www.pureinsurance.com
Wright National Flood Insurance Company - www.wrightflood.com

Surplus Lines Flood Writers (Primary Only)*:


Lloyds Underwriters - (c/o The Flood Insurance Agency in Gainesville, FL - www.thefloodinsuranceagency.com

*While surplus lines carriers do not file rates and forms with the Office, the Office is aware of the following surplus lines carrier that is actively writing primary flood insurance.

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