Private Primary Flood Insurance is Now Available through AUI!

Personal Lines

Appalachian Underwriters’ Personal Lines team now has a Private Primary Flood Insurance product! Available nationally, this coverage is designed to compete against the NFIP program.

Available Limits:

  • Building and Contents – up to $5M combined on any one building!


Eligible Properties:

  • Primary and Secondary Residential Properties (occupied at least 50% of time)




Program Highlights:

  • Available in all 50 States*
  • Agency billed, Surplus Lines, Underwritten by Lloyd’s of London
  • 10% Commission, New and Renewal
  • Replacement Cost coverage for building and contents
  • Ability to schedule multiple locations into one policy
  • Competitive rates based on tier county locations
  • Policy wording accepted by Lenders
  • Basement coverage available for positively elevated A or V zones only
  • Risks located in Non-Participating Communities and in CBRA and OPA zones are eligible


Waiting Periods:

  • No waiting period for mortgage loan closings
  • 7 day waiting period in respect of Coastal (Tier 1 and Tier 2) risks
  • 14 day waiting period for inland risks


Exclusions Include:

  • Properties located in a community currently in an Emergency Program
  • Coverage for mobile homes
  • Medical Equipment
  • Perishable Goods, including food and/or drink
  • Business Income and/or Rental Value only coverage


We can quote off any existing Flood Certificate, Flood Dec, or NFIP Quote:

  • Will need the Dwelling Replacement Cost and Content Coverages (if desired)
  • Occupancy type, Primary or Secondary (must be occupied 50% of the time)
  • Any prior flood losses? If YES, a referral to carrier is required.


If a Flood Certificate, Flood Dec, or NFIP Quote are unavailable, we will require the following in addition to the bullets listed above:

  • Flood Zone
  • For Post-Firm flood zones A or V, you will need elevation information
  • For Pre-Firm or flood zones B, C, or X, you will not need any elevation information



Email submission information to

Phone Quote:

  • Values up to $750K, 888-376-9633, ext. 2005
  • Values up to $750K+, 865-481-2655



*Program not available in the following states: Fire Island, NY / Monroe County, FL / Padre Island, TX / Block Island, RI / Topsail Beach, NC / Sacramento, CA / Devils Lakes, ND / Chesterfield Flats, MO / and LA Parishes as follows: St. Bernard, Plaquemines, Lafourche, Terrebone, Orleans, Jefferson, St. Charles, St. John the Baptist


Back to Top