Florida Surplus Lines License Number: A115125

Private Market Flood IS available for: Non-Residential and 5 or More Unit Residential Buildings.

Private Market Flood IS NOT available for:

  • Non-residential and other residential properties when the total insurable value exceeds $5,000,000 in respect of Buildings and $3,750,000 in respect of Contents.
  • Properties located in CBRA areas, non-participating FEMA communities, mobile homes, or condominium units.
  • Also not eligible for coverage are: properties that have experienced more than one flood loss within the past five years, properties with unrepaired flood damage, a property that has incurred more than $250,000 flood damage to the structure, any property that has been designated by FEMA as a Severe Repetitive Loss property, and properties that have been designated by a duly constituted State or local authority to be in violation of State or local floodplain management regulations (Section 1316).



Use the Gulf Coast rate chart for all A-Zone properties in Bay, Broward*, Charlotte, Citrus, Collier, Dixie, Escambia, Franklin, Gulf, Hernando, Hillsborough, Jefferson, Lee, Levy, Manatee, Miami-Dade*, Monroe*, Okaloosa, Palm Beach*, Pasco, Pinellas, Santa Rosa, Sarasota, Taylor, Wakulla, and Walton County.

Use the Atlantic Coast rate chart for all A zones in Brevard, Duval, Flagler, Indian River, Martin, Nassau, St. Johns, St. Lucie, and Volusia County.

(The Atlantic Coast rate chart does NOT include Broward, Miami-Dade, Palm Beach, or Monroe County) 

All other counties in A zones use the Inland chart. 

All counties in V zones.

Please Note:

This insurance is issued pursuant to the Florida Surplus Lines Law.  Persons insured by surplus lines carriers do not have the protection of the Florida Insurance Guaranty Act to the extent of any right of recovery for the obligation of an insolvent unlicensed insurer.”   F.S.A. subsection 626.924

Surplus lines insurers' policy rates and forms are not approved by any Florida regulatory agency.

*Surplus Lines Tax Rate: 5%
*Florida Service Fee: 0.2% 
*Florida Citizens Fee: 1% 
*Cat Fund Fee: 1.3%

*These taxes and fees are included in the rate charts above.