FLOOD INSURANCE • FLORIDA & TEXAS
Flood protection for the unexpected.
Standard homeowners and renters policies generally do not cover flooding. EMD Insurance Solutions helps you explore separate flood insurance options for your property and belongings.
FLOOD COVERAGE
Understand What Flood Insurance Can Protect
Flood policies can provide different types of protection for eligible buildings and contents. Coverage, limits, deductibles, waiting periods and eligibility vary by policy and carrier.
Building Coverage
May help cover eligible structural components of an insured building when damaged by a covered flood, subject to policy terms, limits and exclusions.
Contents Coverage
May help protect eligible personal belongings damaged by a covered flood when contents coverage is included in the policy.
Flood vs. Water Damage
Not every type of water damage is considered a flood. The cause and circumstances of the loss determine which policy, if any, may respond.
Deductibles & Limits
Building and contents coverage may have separate limits and deductibles. Available options depend on the flood policy and insurer.
Waiting Periods
Flood insurance can be subject to a waiting period before coverage becomes effective, although exceptions may apply in certain circumstances.
Policy Options
Depending on eligibility and availability, flood coverage may be offered through different insurance markets with varying terms and coverage features.
PERSONALIZED COVERAGE
Flood Risk Isn't Limited to the Coast
Heavy rain, drainage issues, storm surge and rising water can create flood exposures in many communities. Your location, property characteristics and flood zone are among the factors that may affect available options.
- Options for eligible residential buildings and contents
- Review of available limits and deductibles
- Discussion of building and personal property protection
- Help understanding available flood insurance options and your quote
WHY EMD
Personal Service. Practical Guidance.
Insurance doesn't have to feel complicated. EMD provides responsive, one-on-one help as you explore your options.
Independent Options
We help explore available coverage options rather than taking a one-size-fits-all approach.
Clear Communication
Questions are welcome. We'll help you understand the coverage choices shown in your quote.
Responsive Service
Direct access to EMD when you need help with your policy, documents or next steps.
Ready to Explore Flood Insurance?
Tell us a little about your property and coverage needs, and we'll help you explore available flood insurance options in Florida or Texas.
Get a Flood Insurance Quote →