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 [email protected]
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