Private Market Flood
A Simple Alternative to FEMA Flood Insurance
Purchasing TFIA's Private Market Flood Insurance Policy, underwritten by certain underwriters at Lloyd's, is simple. Thousands of property owners have already made the switch.
Instantly quote your own policy from your State page (no elevation certificate required).
Submit an online application if you liked your quote and would like to purchase a policy.
Receive approval from our underwriters within 1 business day (usually within an hour).
Pay for the policy within 7 days. If your lender currently pays your premium we will bill them.
Receive your policy via email the same day premium is received!
Now available in 34 States! Same coverage as FEMA; accepted by every major mortgage lender; no elevation certificates required; uses same claims adjusters as FEMA.
Older homes, second homes, non-primary residences, commercial properties and small apartment buildings enjoy significant savings compared to FEMA policies. The program is attempting to reach out to an even broader audience by lowering the minimum policy coverage from $100,000 building coverage to only $50,000 building coverage.