GreatFlorida Flood Insurance. Easy, low-cost, and worry free.

Kim Brooks
2477 Stickney Point Rd Unit 323B - Sarasota, FL. 34231
Phn: (941) 379-1961

Call Us Now
GreatFlorida Insurance

Flood Insurance

Florida Flood Insurance: By Floridians, For Floridians.

What is flood insurance? Whether you're native or a new resident, you are likely familiar with the temperamental weather and hurricane-prone climate of the Sunshine State. It only takes a few inches of water to rack up tens of thousands of dollars worth of damage. Shield your home with a flood insurance policy to avoid economic disaster when storms strike.

GreatFlorida Flood Insurance

Am I Required to Buy Flood Insurance in Florida?

If you live in a high-risk flood zone in Florida, you will be required by law to purchase a flood insurance policy.

If you don't happen to live in a high-risk area, that doesn't necessarily mean you are in the clear. It is still highly advisable to purchase a minimum flood policy.

Natural disasters, flash floods, and even new construction projects that change how water drains could potentially damage your property and wreak economic havoc on your home. Talk to a GreatFlorida agent to get an affordable flood insurance policy today.

Flood Insurance in Florida: What Does it Cover?

In the case of a flood, insurance can cover your home appliances, essential systems, the structure and flooring of your house, and all of your personal electronics. The cost of replacing these on your own can be exorbitant.

GreatFlorida Flood Insurance

Appliances and Essential Home Systems

Kitchen appliances (and the food within), washer and dryer, and essential systems such as heaters and AC are all covered.

GreatFlorida Flood Insurance

Structural and Flooring Damages

Cabinets, carpets, attached staircases, and even unattached garages will be covered by flood insurance.

GreatFlorida Flood Insurance

Personal Property and Valuables

Clothing, furniture, and all of your electronics and valuables worth up to $2,500 are all covered with flood insurance.

What Does Flood Insurance NOT Cover?

GreatFlorida Flood Insurance

Other Environmental Factors

This could be mold or mildew damage which could be reasonably avoided. This also includes any damage caused by earth movement, even in relation to the flooding.

GreatFlorida Flood Insurance

External Effects

Business interruption-related financial losses, loss of property use, and temporary housing expenses.

GreatFlorida Flood Insurance

Certain Belongings and Assets

Vehicles, currency, and belongings located outside of the home are not covered by flood insurance.

Get a Free Insurance Quote

What is the Florida
Minimum SR22
Requirement?

SR22 in Florida requires that high risk drivers carry $10,000 of bodily injury coverage for one person, $20,000 for injury to two or more, and $10,000 for property damage.

There are 3 Types of SR22: Find the Right One for You.

GreatFlorida Flood Insurance

Non-Owner's Certificate

For those who drive vehicles that are not registered in their own name. Perfect for drivers who only drive occasionally or exclusively drive rental cars.

GreatFlorida Flood Insurance

Owner's Certificate

For those who will be exclusively driving a vehicle registered in their own name.

GreatFlorida Flood Insurance

Owner-Operator Certificate

For those who drive vehicles that are both owned by them and vehicles owned by others. This is the most popular type of SR22.

Claim Your Certificate

Do I Really Need
Flood Insurance?

Florida falls within FEMA's highest level of storm frequency and into varying degrees of flood risk based on FEMA assigned flood zones.

While many homes are at risk due to their proximity to the coast or other bodies of water, 25% of all flood claims are from low-medium risk communities.

You may not believe it will happen to you, but Florida is the old stomping ground for water-related natural disasters. Get prepared with a GreatFlorida policy.

GreatFlorida Flood Insurance

of all flood claims are from LOW-MEDIUM RISK communities

Florida Flood Zones Explained By Risk

Every property is in a flood zone.

The question is – how high or low is the risk?

FEMA Flood Map
GreatFlorida Flood Insurance
Enter your address into the FEMA flood map service to find your flood zone.
GreatFlorida Flood Insurance

How Much is Flood Insurance in Florida?

At GreatFlorida, our goal is to connect you with the insurance that's right for you (we are self-proclaimed policy matchmakers), and while there isn't a clear cut quote for everyone because premiums vary based on the home, the average annual flood insurance premium sits at $700.

Agreed Value

GreatFlorida Flood Insurance

Should your home suffer a total loss, insurance will pay the agreed upon amount in your policy, regardless of depreciation.

Actual Cash Value

GreatFlorida Flood Insurance

Should your dwelling suffer a total loss, insurance will provide coverage up to the current market value of your home, accounting for depreciation.

Replacement Cost

GreatFlorida Flood Insurance

Should your dwelling suffer a total loss, insurance will reimburse you the cost of repairing the house to its original condition or replacing it with a home that is the same or similar (only available within the first 2-3 years).

Speak to an Agent

How to Save Money on Flood Insurance

You can't pick up and move your home, but you sure can reduce your level of risk.

Take the extra precautions and lower your premium by following these steps:

ELEVATE YOUR
HOME

GreatFlorida Flood Insurance

Elevate your home above Base Flood Elevation.

WET
FLOODPROOF

GreatFlorida Flood Insurance

Waterproof the space of your home below the Base Flood Elevation.

DRY
FLOODPROOF

GreatFlorida Flood Insurance

Add flood-proof sealants and barriers to prevent entry of water.

REPOSITION
APPLIANCES

GreatFlorida Flood Insurance

Move heaters, coolers, and electrical panels far away from Base Flood Elevation.

Florida Flood Insurance Frequently Asked Questions

An inch of water may not seem like much, but the effects can be devastating.

Learn about flood insurance now – No one's ever complained about being prepared.

How Do I Pay for Flood Insurance?

Flood insurance must be paid in full upfront and is purchased in annual payments. When filling out an insurance claim, you will have a separate deductible for the house and the contents of your home.

GreatFlorida Flood Insurance

What Factors Affect Flood Insurance Cost?

Premiums fluctuate and depend on factors like the deductible desired, coverage needed, location, foundation of the home, and flood zone risk. A GreatFlorida Insurance agent can walk you through the process of finding the right flood insurance for your dwelling.

GreatFlorida Flood Insurance

How Long Will it Take the Policy to Come Into Effect?

The policy will not come into effect until 30 days after the purchase date. Don't hesitate, start planning your GreatFlorida flood insurance policy today.

GreatFlorida Flood Insurance

What is the Average Flood Insurance Claim?

According to the Insurance Information Institute, the average the flood insurance claim is $91,735 from data collected in 2017.

GreatFlorida Flood Insurance

Why Buy Flood Insurance from a Local Agent?

Finding affordable flood insurance that meets all of your individual property's needs on your own can be overwhelming. At GreatFlorida, our agents dedicate all their time to tracking down a policy for you. They are also available 24/7 to respond to any insurance inquiry you might have, like how to file a claim and what is covered.

GreatFlorida Flood Insurance
Call 888-478-7801 Today

Financial Protection For Your Home.
Before the Storm.

Get a Customized GreatFlorida Policy Today.

Talk to an Agent

Insurance Coverage

About GreatFlorida Insurance

GreatFlorida Insurance is a network of independent, franchised insurance agents located throughout Florida. With 141 locations state-wide, it is easy to find a GreatFlorida Agency in your neighborhood.

We provide 24-hour service, 7 days a week, 365 days a year, through our partnered insurance companies.

Our Independent, GreatFlorida Insurance Agents will help you find affordable Insurance in Florida for you and your family.

Contact Us

Contact Your Local Agent
888.478.7801 or

Find an Agent