Imagine a $1 million home carrying just $250,000 of flood protection. That’s what often happens when a homeowner can secure insurance only from the National Flood Insurance Program. Shelly, Middlebrooks & O’Leary can provide Excess Flood Insurance that goes above and beyond these limits to provide the full-protection required for high-value homes exposed to floods.
ELIGIBLE CLASSES:
HO3 exposures
HO4 exposures
HO6 exposures
COVERAGE HIGHLIGHTS:
Coverage is in excess of the maximum National Flood Insurance Program (NFIP) limits
$250,000 on buildings
$100,000 on contents
$60,000 on preferred program risks
Underlying coverage may be provided by any authorized writeyourown (WYO) flood carrier (subject to the same limits provided by the NFIP)
Customized coverage limits available (not subject to entire homeowners limits)
Coverage is “following form” to the underlying policy Coastal and interior risks in any flood zone are eligible, including single-family and multi-family dwellings, condominium units and rental homes
$250,000 on buildings