Flood Insurance Company Options

Member since 2021 · 43 posts · 11 votes

Where do investors in Florida get flood insurance for their investments?

I know that flood insurance is hard to obtain as a home owner anyway but I don't have any good contacts for investment properties to get insured. There must be a way but a lot of insurance companies I talk to tend to not do investments.

Any help is greatly appreciated. Thank you in advance.

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Owen RosenBusiness Member
Professional · Clinton Township, MI · Member since 2015 · 676 posts · 259 votes
1y
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Royal Oath Insurance Group4.9203 Reviews
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Jared Townsend
Insurance Agent · Orlando, FL · Member since 2015 · 297 posts · 122 votes
1y
You can insure the home through a carrier offering NFIP policies (read more about that at https://www.fema.gov/flood-insurance) or through a carrier offering private flood insurance (Compare NFIP to Private flood).
If you live in a Special Flood Hazard Area, you may need to provide an Elevation Certificate in order to receive accurate rates.
Let me know if you have any other questions!
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Christian Tateo
Member since 2025 · 52 posts · 12 votes
1y
Hi Alfredo,

Flood insurance in Florida can be tough, especially for investment properties, but there are options:
1. NFIP (National Flood Insurance Program) – This is a common choice and does cover rentals, though it has limits.
2. Private flood insurance – Companies like Neptune Flood, TypTap, and Wright Flood often provide good alternatives with more flexible coverage.
3. Independent insurance agents – They can shop around and find the best option for your specific property.
It’s worth getting quotes from both NFIP and private insurers to compare. Feel free to reach out if you want more info—I’m happy to help!
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