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For residential properties, you can secure coverage up to $250,000 for the building and $100,000 for the building contents. For commercial properties, you can secure coverage up to $500,000 for the building and $500,000 for the building contents.
Excess flood coverage provides additional protection beyond the limits of your standard flood insurance policy. This can be especially important if you live in an area that is at high risk for flooding or if you have significant assets that you want to protect.
Unfortunately, not all flood insurance policies are created equal, and sometimes standard flood coverage limits may not be sufficient. If you need additional coverage beyond what is available in a standard flood insurance policy, you may want to consider excess flood insurance.
Unlike the NFIP, which is a federal program managed by FEMA, excess flood insurance is offered through private insurance companies.
Insurmark has been successful in writing flood coverage in excess of NFIP or other primary flood coverage for properties whose values exceed NFIP protection limits or primary flood coverage limits. With inhouse underwriting authority, we provide efficiency, premium savings and added value to your client relationships.
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People also ask

Average flood insurance cost by state StateAnnual rate Arizona $775 Arkansas $946 California $903 Colorado $8586 more rows Jan 29, 2025
Floods can happen anywhere just one inch of floodwater can cause up to $25,000 in damage while the typical Individual Assistance grant awarded by FEMA is between $3,000-$6,000. Most homeowners insurance does not cover flood damage.
The maximum for residential structures for a family of one-to-four is $250,000 in building coverage and $100,000 in contents coverage.

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