Standard homeowners insurance does not cover flood damage. Flood insurance is a separate policy specifically designed to protect your home and belongings from flood-related losses. Protecting your home from flooding is crucial, especially in Florida.

Getting a quote with Flood Insurance HQ is simple and personalized. Visit our website and fill out a few details about your property. Our dedicated agents will review your information and provide a comprehensive quote tailored to your needs. If you have any questions, our friendly team is here to help.

We proudly serve homeowners throughout Florida, focusing on high-risk flood zones in counties such as Miami-Dade, Broward, Hillsborough, Pinellas, Palm Beach, Brevard, Orange, Pasco, Hernando, and Lee.

With Flood Insurance HQ, you can receive a personalized quote quickly. Once you decide to move forward, our team will work efficiently to ensure your coverage starts as soon as possible.

Flood insurance typically covers physical damage to your home and its foundation, electrical and plumbing systems, HVAC equipment, appliances, personal belongings, and more. Detailed coverage may vary depending on the policy and carrier you choose. We’ll help you understand all the details.

The amount of flood insurance you need depends on various factors, including the value of your home, its contents, and your location. Our agents will work with you to determine the appropriate coverage for your property, ensuring you have the protection you need.

Yes, you can purchase flood insurance at any time. However, keep in mind that there is usually a 30-day waiting period from the date of purchase before your policy goes into effect, unless it’s required for a loan closing.

The cost of flood insurance varies based on factors such as your home’s location, its elevation, the amount of coverage, and the deductible you choose. Our agents will provide you with a personalized quote to give you the best possible rate.

Our customer service team is here to help! You can reach us via live chat on our website, call us at (305) 452-0587, or email us at info@floodinsurancehq.com . We’re committed to providing you with the best possible service and support.

Yes, you can update your policy at any time. Whether you need to adjust your coverage limits or update your personal information, our team will assist you in managing your policy.

At FloodInsurance HQ, we specialize in flood insurance but also offer additional coverage through EnsureUp, including homeowners and renters insurance. For more details, visit our website! 

The National Flood Insurance Program (NFIP) is a federal program managed by FEMA that offers standard flood insurance policies. The NFIP sets rates based on flood zone maps and is backed by the government. Private flood insurance, on the other hand, is offered by private insurance companies and can provide more flexible and comprehensive coverage options. Private insurers often use advanced risk assessment tools to offer competitive rates and may provide higher coverage limits and additional features not available through the NFIP.

As of recent legislation, Citizens Property Insurance Corporation policyholders in Florida are required to carry flood insurance. This requirement is being phased in over several years, starting in April 2023, and will apply to all properties covered by Citizens by 2027. This change aims to ensure that properties in flood-prone areas are adequately protected, reducing the financial impact of flood damage on homeowners and the state.