Primary/Excess Flood

Excess Flood

Recommended appropriate
Primary & Excess solutions that
protect against the peril of flood.

Recommended appropriate Primary & Excess solutions that protect against the peril of flood.

Primary vs. Excess Flood Coverage

Primary Flood Policies – refer to first-level National Flood Insurance Program (NFIP) primary flood policies, which are administered by the Federal Emergency Management Association (FEMA), can be issued by many carriers but carry coverage caps stipulated by the NFIP/FEMA as follows:

  • Structural Coverage Cap:  $250,000
  • Personal Contents Coverage Cap: $100,000

Under a standard NFIP/FEMA Primary Flood Policy, these coverage caps cannot be increased or changed.   Some private carriers offering Primary Flood policies may also underwrite their own additional coverages which the carrier (and not NFIP/FEMA) would pay to settle a covered claim.

Excess Flood Policies provide additional coverage beyond those capped in a Primary Flood Policy as outlined above.   Excess Flood Policies provide additional coverage protection for policyholders interested in further protecting their property against the peril of flood beyond what’s readily available  in a Primary Flood Policy.

In most cases, Flood policies only protect structures and contents which are located on ground levels and above.  In some cases, unfinished basements and real property in cellars may be covered depending upon the issuing carrier and their underwriting guidelines.

Let JMP Insurance Brokers Put its expertise to work

Request a Primary/Excess Flood Insurance solution with the below form.

JMP Insurance Brokers
Primary/Excess Flood Quote Request Form


Thank you for contacting JMP Insurance Brokers for your Insurance & Risk Management needs!

To submit your quote request, please answer all questions that follow, making note of required fields, marked with an asterisk *, which must be completed in order to proceed. Prior to sending, you’ll also have an opportunity to upload relevant documents as part of your submission. When finished, simply click the blue “Submit” button, and JMP Insurance Brokers will fully encrypt all of your private & confidential data prior to it being sent to us for quoting.

Thanks again! If you have any questions or need our assistance, please don’t hesitate to contact us.

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