Search online. The web is a good source of info. You can look for agents and companies, and read reviews.

Utiliza el Herramienta de comparación de políticas de la OPIC. This free tool allows you to filter for some companies that offer flood coverage for residential property.

Ask questions. When you talk to a company or agent, ask:

• Do you offer flood insurance?
• Is this an NFIP policy? (Some companies only offer NFIP policies.)
• Is this NFIP equivalent or better? If better, how? (For example, does it provide ALE coverage?)
• If it is not NFIP equivalent, what flood coverage does it provide?
• Is there a waiting period before coverage takes effect? *NFIP policies have a 30-day waiting period.
• What coverage will I have for my basement or crawlspace?
• What coverage will I have for electrical/plumbing systems and appliances located below my lowest elevated floor?
• When are losses paid at actual cash value (ACV) vs. replacement cost value (RCV)? For those paid on ACV basis, is RCV available?
• Will I have coverage for my electronics (laptops, tablets, TVs, smart phones, etc.)?
• Is coverage available for special items like jewelry, fine art, or guns?
• What deductible options do you offer?
• ¿En qué medida influyen los distintos franquicias en el importe de mi cuota?
• ¿Qué descuentos hay disponibles?
• ¿Tengo que pagar alguna tasa que no esté incluida en la prima presupuestada?
• ¿A cuánto ascenderá el importe total de mi pago?

*️⃣  If a lienholder makes you buy flood insurance, it is likely only for your home, not your personal items. You may have to buy contents coverage separately.

This is a growing market. Most residential flood policies are FEMA’s NFIP policies, with limited options. More companies are starting to offer flood coverage through endorsements or separate policies that provide different levels of coverage like:

• Limited coverage (Ex: $10,000 for structure and contents)
• Coverage equal to NFIP
• Coverage for more than NFIP (Ex: ALE, higher limits, etc.)
• Excess coverage (Ex: You need $350,000 flood coverage for your home, but the NFIP limit is $250,000. You may be able to buy excess coverage for the $100,000 difference elsewhere.)