Flood insurance
Most home policies exclude flood damage — and Gulf Coast properties have real flood exposure. We'll help you compare options.
Local insurance guidance
Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.
Storm surge, heavy rain, and rising water can damage even properties outside designated flood zones. Standard home policies explicitly exclude flood, so a dedicated policy is the safety net.
We'll quote both where it makes sense and explain the trade-offs.
No. Standard home insurance specifically excludes flood damage. You need a separate flood policy.
NFIP is the federal program with standardized coverage and limits. Private flood often offers higher limits, broader coverage, and sometimes more competitive pricing. We can compare both.
Yes — your landlord's policy doesn't cover your belongings. A renter's flood policy can cover personal property damaged by flood.
NFIP policies generally have a 30-day waiting period before coverage starts. Some private flood policies have shorter waiting periods. Don't wait for a storm to be named.
Flooding happens outside high-risk zones too. Many flood claims come from moderate- and low-risk areas, and coverage there is often more affordable.
NFIP is the federal program with standard limits. Private flood policies may offer higher limits or additional coverages. We can help compare both.
Contents coverage is typically purchased separately from building coverage on a flood policy. We'll make sure you know what's included.
Renters can buy contents-only flood coverage to protect their belongings, since neither the landlord's policy nor renters insurance covers flood.