Flood Insurance

Expert flood insurance agents in Florida and nationwide.

We compare private carriers plus NFIP to find you the best coverage and rates.

Help Protect Your Home With Flood Insurance

Standard homeowners insurance doesn’t cover flood damage. Even an inch of water can cause thousands in damage to your home and belongings. Don’t wait until it’s too late, flood insurance takes 30 days to take effect.

Complete Insurance Shopping

We compare private flood carriers plus the National Flood Insurance Program (NFIP) to find you the most comprehensive coverage at the best price.

Fast and Independent Insurance Quotes

Get flood insurance quotes from multiple carriers in minutes. As independent agents, we’re not tied to one company, we work for you.

Claims Handled Responsibly

Our experienced agents guide you through the claims process and advocate for you with insurance companies when you need it most.

blue home

Why Brown Insurance?

Most agents only offer NFIP flood insurance, but there are private carriers that often provide better coverage for less money.

We shop them for you. Our flood insurance specialists understand the complexities of flood zones, coverage options, and can help you save money while getting proper protection.

Whether you’re in a high-risk flood zone or outside the floodplain, we’ll find you the right coverage.

What's Covered In Our
Flood Insurance

Building Coverage

Covers the structure of your home including electrical and plumbing systems, central air conditioning, furnaces, and water heaters.

Personal Property Damage

Protects your belongings like furniture, clothing, electronics, and appliances from flood damage.

Additional Living Expenses

Pays for temporary housing and living expenses if your home becomes uninhabitable due to flood damage.

Loss of Use Coverage

Covers rental income loss if you rent out part of your property and it becomes uninhabitable due to flooding.

Basement Coverage

Limited coverage for basements including structural elements, essential utilities, and basic items stored below ground.

Increased Cost of Compliance

Helps pay for modifications needed to bring your home up to current building codes after a flood loss.

The Flood Insurance Protection You Need

Flooding is the most common natural disaster in the United States. From coastal storms to inland flooding, proper flood coverage protects your most valuable investment.

Don’t wait until it’s too late, get the protection you need today.

Client Satisfaction
0 %
Insurance Carriers
0 +
Independent Agents
0 %

What Our Clients are Saying

Chris Houston, TX

Brown Insurance saved me over $800 a year by shopping my policies with multiple carriers. They actually answer the phone when I call!

Olivia Tampa, FL

After Hurricane Ian, Brown Insurance handled everything perfectly. Their flood coverage recommendation saved my family's livelihood.

Jon Raleigh, NC

I've been with the same agent for 15 years and never knew I was overpaying. Brown found me better coverage for less money in just one call.

Emma Jacksonville, FL

Finally, an insurance agency that calls ME before renewal time. No more surprise rate increases or coverage gaps.

family outside home

Flood Insurance FAQs

Get answers to the most common questions about flood insurance and how we can help protect your biggest investment.

Standard homeowners insurance does not cover flood damage. Flood insurance is separate and often required by lenders, especially in high-risk areas.

Savings vary by situation, but our clients typically save 15-30% by switching to better coverage options through our carrier network.

We proactively call clients before renewals, provide same-day service, and shop 80+ carriers to ensure you always have the best rate.

Yes, we're licensed in multiple states and specialize in flood insurance coverage for all 50 states.

Don't Be Caught In A Disaster Without The Right Insurance

Don’t take chances when it comes to your home.

Make sure you’re protected to the fullest with flood insurance.

Contact Us To Learn More About Flood Insurance