Insurance education · Florida
🌊 Private Flood insurance
Understand separate flood coverage and Florida flood exposure.
← All coverage topicsStart a Private Flood QuoteWhat to know
Private flood policies may offer building and/or contents coverage, depending on the insurer and policy terms.
Coverage, limits, deductibles, exclusions, eligibility and availability depend on the insurance company and the specific policy. This page is general education, not an insurance quote or recommendation.
Common question
Is flood insurance included with homeowners insurance?
Typically not. Flood insurance is generally purchased separately.
Helpful questions to consider
- Which risks and property or people need protection?
- What coverage limits, deductibles and exclusions apply?
- Are there special Florida weather, occupancy or eligibility considerations?