Protect more than the mortgage requirement.
Review the dwelling, contents, foundation, lowest floor, prior flooding, desired limits, optional protections, lender requirements, and effective date together.
Information to prepare
- Property address and occupancy
- Building and contents values
- Foundation and lowest-floor details
- Prior losses and current flood coverage
- Closing date or lender instructions when applicable
Options to compare
- Private-market and FEMA paths
- Building and contents limits
- Deductibles and effective dates
- Available optional protections
- Excess limits for higher-value property
Residential flood questions
Does homeowners insurance normally include flood?
Standard homeowners policies commonly exclude flood. Separate flood insurance should be considered for the building and contents.
Can I buy residential flood insurance online?
Eligible applicants can quote, select available coverage, and complete the purchase through the Cox & Associates online flood platform.
What optional protections may be available?
Depending on the property and quotation, private options may include temporary living expense, replacement cost on contents, limited basement contents, detached structures, pool repair and refill, rental income, landscaping, or tenant improvements.
Eligibility, limits, optional coverages, valuation, deductibles, exclusions, waiting periods, pricing, and availability vary. The quotation and issued policy control.