Flood Insurance
In the Lowcountry, flood coverage isn't optional.
Standard homeowners policies don't cover flood damage — and you don't have to be on the water to be at risk. We write flood through both NFIP and private markets to protect what matters most.
of water can cause $25,000+ in damage
of flood damage covered by standard home policies
typical NFIP waiting period — don't wait
What flood insurance covers
Real protection against rising water
Building coverage
Foundation, electrical & plumbing, HVAC, water heaters, built-in appliances, and permanently installed fixtures.
Contents coverage
Furniture, electronics, clothing, and other personal belongings damaged by rising water.
Coastal & high-risk zones
Whether you're in a designated flood zone or a low-risk area, we'll find the right market for your property.
Elevation certificate help
We help you navigate elevation certificates and FEMA flood maps to get accurate, fair pricing.
Most flood policies have a 30-day waiting period
The best time to get flood coverage is before a storm is on the radar. Let's talk today so you're protected when you need it.
Get a flood quote today.
We'll check your flood zone, explain your options, and find coverage that fits — through NFIP or private carriers.