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Many people find out too late they are at risk for flooding, and even worse, that their property insurance does not cover excess flood damage. In fact, according to the National Flood Insurance Program, excess flooding occurs in every state and 25% of all floods occur in low-to-moderate risk areas.

When is a standard flood policy not enough?

- If it would cost more than $250,000 to replace or repair you home, a standard flood policy won't be enough.
- Let's assume it would cost $750,000 to rebuild your home. That leaves $500,000 not covered by a standard flood policy. What do you do? Simple. Get a policy that fits.
- Excess Flood Insurance can increase your standard single-family coverage by up to an additional $500,000 - covering up to $750,000 total. Have a business? Extend your structure coverage from $500,000 up to $1 million.
- Contents Coverage? Whether a homeowneror business owner, you can purchase up to $100,000 above the existing coverage cap (for a total of $200,000 for a single family structure and up to $600,000 for a business structure).

Excess Flood limits could be even higher in your state. Contact API for details.

Expert Assistance

Our highly trained claim professionals are knowledgeable about excess flood losses and able to provide you with superior claim service.

Affordable Protection

Most people are surprised to find how affordable Excess Flood insurance is. And to make it even more affordable, API offers a choice of deductible options that will save you money!