It doesn’t matter if you are a new or existing policyholder…
Our flood insurance agents have the answers you are looking for and can assist you in finding and choosing the best flood insurance coverage for your home or business.
As a general agent, we provide multiple coverage options when it comes to protecting your property and assets from flood damage in Georgia. A flood is when two or more acres or two or more properties are affected by water from the ground up – something that isn’t typically covered under a standard homeowner insurance policy.
Whether you are in a low-risk zone and want additional protection, are in a high-risk zone and flood insurance is required through your bank, or you have a high-value home and need extra, higher-limit coverage –
Georgia Flood Insurance provides multiple options through both private carriers and the government backed NFIP to ensure you have a flood insurance policy that works for you.
Private Market Coverage
(Available For All Zones)
Better flood insurance options for enhanced coverage
The majority of Georgia is a hot, humid, subtropical climate. The entire state, including the North Georgia Mountains, receives moderate to heavy precipitation, which varies from 45 inches in central areas to approximately 75 inches around the northeast areas. This means the entire state is susceptible to experience flood damage in the event of a heavy storm, hurricane, or river overflow. This also means in more expensive cities such as Atlanta where the average home listing price in 2017 is $335,000 – properties may not be fully covered with a standard NFIP policy.
As a leading general agent, Georgia Flood Insurance provides the same basic policy as the government backed NFIP, but with more coverage options and more competitive yearly rates through one of our many private carriers.
Why choose Georgia Flood Insurance for your flood insurance policy?
  • Higher limits with coverages up to $10MM
  • Enhanced coverage options for damages not offered by homeowners policies including:

    • Replacement cost (replacement cost is the cost to repair or replace damaged possessions at today's market-value prices)
    • Loss of use (loss of use is the cost you will incur to live elsewhere if your home is damaged because of a flood)

  • Lower premiums tailored to your location
  • Faster, more efficient claim response and assistance
  • Same coverage options that FEMA’s NFIP policies offer
  • Direct access to our team of agents to answer your questions
  • Free online flood quotes
National Flood Insurance Program (NFIP)
(Available For All Zones)
One price, no matter where you get it
With 20% of insurance claims coming from moderate- to low-risk areas, we believe everyone should have a flood insurance policy that is reliable, affordable and easily accessible.
As a leading general agent, Georgia Flood Insurance can write your flood insurance policy through the government backed National Flood Insurance Program (NFIP). Unlike other insurance policies you might have (like your car or home), flood insurance offered through the NFIP is offered at the same price to customers no matter where you get it. This means the government determines your coverage and premium and, since you can’t write a policy directly through the NFIP, we can write your policy for you.
Why choose Georgia Flood Insurance for your NFIP policy?
  • Policies with a maximum of $250K in coverage
  • Statewide claim support with fast turn-around
  • Completely backed by the Federal Government
  • Contents only coverage for tenants looking for protection
  • Low cost preferred risk policies for properties in low-risk flood zones
  • Free online flood zone determinations for your property or business
  • Fast, easy and free online quoting process
Excess Flood Insurance
When you are looking for more than basic flood insurance
Excess flood insurance provides insurance limits above and beyond a primary policy – whether written through the NFIP or a private carrier. It is important to be aware of the fact that the NFIP only offers policies with a maximum coverage of $250,000. Most homeowners that need flood insurance are in moderate- to low-risk areas and write their flood insurance policies through the government backed NFIP.
If it costs more than $250,000 to replace or repair your home or business in the case of a flood, a standard NFIP flood policy won't be enough. Having excess flood insurance can increase your standard coverage up to an additional $10MM.
That means buying:
  • A federal or private policy worth $250,000 plus
  • An excess flood insurance policy for the additional coverage desired
Excess Flood limits vary based on the your state, so ask your Georgia Flood Insurance agent for additional details.