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Primary and Excess Flood

The National Flood Insurance Program (NFIP) reported 25% of all flood related insurance claims came from people outside of the designated risk zones, demonstrating that even if you are outside of a known high-risk area for flooding, you may still be vulnerable. As flood insurance policies cover up to $250,000, if your client’s home is worth more than that, then they need to purchase extended coverage beyond the limits available from the NFIP.

Burns & Wilcox, a leader in excess and surplus insurance, can provide access to expanded flood insurance tailored to your clients’ needs. Our experts can provide the appropriate policy that will cover your personal items.

Coverage Details and Features

NFIP Details

  • Residential buildings $250,000
  • Residential contents $100,000

Excess Flood Coverage Details

  • Coverage up to $15 million aggregate
  • Eligible properties include single-family and multi-family dwellings, condominiums and rental homes
  • Program follows excess of NFIP for ease of claim handling
  • Includes buildings, contents and loss of income
  • Replacement cost endorsement available


Secondary home in Florida


$250,000 Homeowners Flood Coverage

Primary and Excess Flood: Applications

Please choose the application that best fits your needs.

If you need additional assistance please contact your local office.

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