NEW: Private Flood is now subject to a Minimum Earned Premium. Check out the FAQ.
Flood Solutions & Support
For over 30 years, we’ve offered flood insurance under the National Flood Insurance Program (NFIP). In fact, we were one of the first companies to participate in the NFIP. Today, we're the second largest carrier offering flood insurance.
The market for flood insurance has evolved due to changes within the NFIP, flood reform, and climate change – to name a few. As a result, we expanded into the private flood market with products tailored to meet industry and customer needs.
Put Assurant's Flood Expertise to Work for you
in the Write Your Own (WYO) flood market
company with large investments in innovation
operating in the private flood market
homeowners protected from losses due to flood damage
Flood Protection Products
Our knowledge and long standing commitment with the NFIP coupled with our innovative private products allow us to support our agency partners. Its flood protection options that make a difference.
National Flood Insurance Program
Get the right combination of competitive commissions and exceptional customer service to help you build and retain your flood book over the long term.
Private Flood Product Suite
Our private flood policies offer higher coverage limits and flexible add-ons for residential condominium building association policy (RCBAP) and commercial properties.
Technology & Agent Logins
Quote and manage flood insurance policies with ease through our intuitive technology solutions.
Our patented discretionary payout of up to $10,000 designed to help policyholders with costs associated with flooding events.
Flood Industry Expert Insights
Retaining PRPs at Annual Renewal
Over 65% of preferred risk policies (PRPs) drop at the first annual renewal.
Assurant Flood Product Spotlight: FlexCash
Offer customers a discretionary payout of up to $10,000 to help with coverage gaps.
Choosing NFIP vs. Private Flood
As NFIP reforms are continuously debated, there have been short-term lapses in the NFIP during government shutdowns and among widespread uncertainty in the market around the program’s future.
In response, the private flood market has grown an estimated 25-30% during the last year.
Read more how to determine the right mix for your business.