Flood Insurance is a critical insurance need for all home owners. This coverage protects against the peril of flood or rising water or rain and ground seepage damage to your home and personal property. It is important to note that Homeowner Policies DO NOT protect against the peril of “Flood”. This important coverage is even more critical in the event that your home is located in a “Flood Zone” and tends to flood. This coverage is available through our standard carriers; however the product is designed, controlled and managed by the National Flood Insurance Plan (A FEMA agency). The coverage limits available are subject to Maximum Limits, however we have the ability to secure “Excess Flood” coverage should the need arise.