Flood coverage that is right for you and your home.
Every property can be at risk for a flood — America’s most common disaster. Before any dark clouds loom over you, explore how UPC Insurance, partnered with the National Flood Insurance Program (NFIP) and our private flood market, can offer a full suite of flood insurance options to all owners of eligible properties in participating communities.
EXPLORE HOW WE KEEP THE PROMISE®
NFIP Coverage — All flood zones
Get reliable coverage with National Flood Insurance Program (NFIP), the national standard for flood insurance. Available for homes in participating flood communities, coverage options are available of up to $250,000 for the structure, with universal lender acceptance.
Private Flood Insurance for Customized Coverage Options
Private flood coverage from UPC offers coverage options to better suit your needs at a lower price. These options provide coverage for various needs with no waiting period**, no secondary home surcharge, and many other benefits.
VALUE ADDED OPTIONS FOR PRIVATE FLOOD COVERAGE
In partnership with Aon National Flood Services, UPC offers a variety of private flood insurance options that fit a diverse range of needs.
Standard — Flood Zone A*
Enjoy more coverage and convenience in high-risk areas. Standard offers up to $750,000 building and $200,000 contents coverage with no waiting period** and no secondary home surcharge. Not available in AK, DC, HI, and KY.
Preferred — Flood Zones B, C, X, and Z*
In lower-risk areas, Preferred provides affordable rates for up to $300,000 building and $100,000 contents coverage, along with options for customizable coverage limits and possibly no waiting periods. Plus, replacement costs are included for the primary residence. Receive replacement cost value for all claims, including contents.
Excess Flood — Great addition to add to current high-value coverage over an existing NFIP policy. Even during catastrophic flood events, get peace of mind with up to $5 million in coverage — building and contents combined — for structures with replacement cost value up to $15 million. Not available in AK, DC, and KY.
*Geographic limitations may apply.
**Designed for single family residential homes — no waiting period when purchased in advance of loan closing transaction.
NFS Edge Insurance Agency, Inc. is a licensed producer in all states. (TX Lic# 1339727) (CA Lic# 0E67797); Insurmark is a division
of Financial & Professional Risk Solutions, Inc.