Residential Flood Insurance
Navigate the unpredictable with confidence through our Residential Flood Insurance solutions.
Quote your Residential Flood Insurance here:
London Underwriters offers Residential and Commercial Flood programs available through NFIP, Neptune Flood and Dual. Our programs offer both primary and excess flood coverage.
Email newbusiness@londonuw.com for a quote.
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Residential & Commercial Flood
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Primary & Excess Available
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Programs Available: Neptune Flood, Dual, and NFIP
Neptune Flood Guidelines
Our appointed agents have the ability to quote and bind directly online via Neptune Flood. Below are some of the underwriting & eligibility guidelines for your review:
A
COVERAGE
Building:
Up to $2,000,000
G
COVERAGE
Pool Repair & Refill:
Up to $10,000
B
COVERAGE
Personal Property:
Up to $500,000
H
COVERAGE
Unattached Structures:
Up to $50,000
F
COVERAGE
Basement Contents:
75% of limit, up to $10k
I
COVERAGE
Temporary Living
Expense:
75% of limit, up to $10k
Deductibles
$1k - $50k
Minimum Premiums
$350
Homes
$250
Condos & Tenant
Property Elegibility
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1-4 family dwellings, including condos for unit owners
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Any occupancy, including seasonal secondary and vacant
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States: AL, AZ, CA, CO, CT, DE, FL, GA, HI, IA, IN, KS, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV
Ineligible Risks
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Properties with >1 loss OR 1 loss > $25k
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Manufactured or Mobile Homes
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A building located entirely in, on, or over water
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Grandfathered or CBRA properties
Dual Guidelines: NFIP Program
Carrier A.M.
Best Rating: “A”
Excess Flood
Private Primary Flood
NFIP
Limits of Liability
> Residential: $250,000
Contents
> Residential: $100,000
Deductibles
> Range $1,250 to $25,000
Coverage Available
Residential Buildings
Contents
Loss of Income (Loss of Rents)
Dual Guidelines: Primary Flood Program
You can submit risks for Dual to one of our Underwriters to assist you.
Dual's Flood Program is specifically designed for Residential Properties. Their programs include: NFIP, Private
Primary Flood and Excess Flood.
Carrier A.M.
Best Rating: “A”
Excess Flood
Private Primary Flood
Eligible Properties
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Primary & Secondary
Residential
Program Benefits
✓ Competitive against NFIP pricing
✓ Replacement Cost coverage for building & contents
✓ No Elevation Certificate (EC) is required but some locations may require EC to bind coverage
✓ Ability to schedule multiple locations into one policy
✓ Loss of income/loss of rents coverage
✓ Improvements & Betterments additional limits
✓ Policy wording meets lender compliance
Waiting Period
✓ No waiting period in respect to loan closing
✓ 7 day waiting period for coastal (Tier 1 & 2) risks
✓ 14 day waiting period for inland risks
Limits of Liability
Building & Contents: $5M combined on any one building
Minimum Deductible
> $2,000 per occurrence for Buildings
> $2,000 per occurrence for Contents
Dual Guidelines: Excess Flood Program
Carrier A.M.
Best Rating: “A”
Excess Flood
Private Primary Flood
Limits Available/Per Occurrence
> $20 Million Over All Interest Per Risk
Additional Limits Available Upon Request
Building, Contents, Loss of Income
$20 Million Condo Building
$10 Million Earthquake when purchased with Excess Flood