A question we are often asked at North Carolina Flood Insurance is, “do homeowner insurance policies cover flooding?”
Flood insurance protects the structure and contents in the event of a flood or when groundwater rises and causes damage to your home or business as homeowner insurance doesn’t typically cover damage due to flooding.
Our flood insurance providers are a varied group of industry leaders. When you write your flood insurance policy with North Carolina Flood Insurance, you not only get access to receive a quote from our multiple A-rated, Admitted carriers – you’ll also get the best solution, coverage, and rate for your flood insurance needs.
Private Carrier Options
Even though private carriers were always able to provide alternate flood insurance coverages and quotes, it was typically up to the mortgage lender to decide what type of flood insurance was needed (usually through the NFIP) for your home.
With recent changes, you now have a choice.
Private carrier flood insurance policies are market-based, which means they can possibly be more competitive in price unlike policies offered through the NFIP (depending on the coverage you need and the zone your home/property is in). At North Carolina Flood Insurance, we recognize the importance of having the right type of protection.
We also recognize the importance of having more than one option – which is what we strive to provide you.
A few of our Private Carriers include:
  • Argenia
  • Clearwater Underwriters
  • Lloyd's of London
National Flood Insurance Program (NFIP)
The National Flood Insurance Program (NFIP) is administered by The Federal Emergency Management Agency (FEMA) (a government backed program). North Carolina Flood Insurance and multiple other flood insurance companies work closely with the NFIP to offer flood insurance to homeowners, renters, and business owners in North Carolina.
We pride ourselves on staying up-to-date around both flood insurance requirements and current National Flood Insurance Program (NFIP) legislation. Whether you need flood insurance in Charlotte, Greensboro, or Raleigh – North Carolina Flood Insurance’s dedicated agents are happy to assist you with any of your flood insurance needs. As direct representatives of FEMA, North Carolina Flood Insurance can process all flood insurance policies through the NFIP and assist you in submitting a claim.
Private Carrier or NFIP Option? Get the Coverage that's Best for You.