Start with the property and the actual terms.
Private flood insurance can offer a different combination of limits, deductibles, valuation, waiting periods, and optional protections than a federal flood policy. The online application evaluates the actual property and displays the options available for that risk.
What to compare
- Building and contents limits
- Replacement-cost or actual-cash-value provisions
- Available optional protections
- Deductible and waiting-period choices
- Prior losses, occupancy, construction, and location eligibility
Information to prepare
- Property address and occupancy
- Building and contents values
- Foundation, lowest floor, and number of stories
- Prior flood losses and current coverage
- Desired effective date and lender requirements
Frequently asked questions
Can private flood insurance be purchased online?
Eligible properties can complete the quote and purchase process through the Cox & Associates online flood platform. The application determines available terms and eligibility.
Is private flood insurance the same as FEMA flood insurance?
No. Private flood insurance is issued outside the National Flood Insurance Program and can differ in limits, coverages, underwriting, waiting periods, and exclusions.
Coverage descriptions are general. Eligibility, coverage, limits, valuation, deductibles, exclusions, pricing, waiting periods, and availability vary. The quotation and issued policy control.