Excess Flood Insurance
Tokio Marine Highland’s Excess Flood Insurance Program is specifically designed for home or business owners who already have the maximum amount of coverage available under the National Flood Insurance Program (NFIP) or private flood carrier but need additional coverage to protect their higher-valued assets.
Broader Coverages
Higher limits and broader coverage
to ensure your assets are protected
Stable, Competitive Rates
With 30 years of experience, TMH offers
a stable market for excess flood coverage
Fast Claim Support
Quick claim processing provided by our wholly owned subsidiary Precise Adjustments
Why Entrust Us with Your Excess Flood Insurance Needs?
Coverage Highlights:
- Wide availability
- “A” rated carriers
- Simple underwriting
- Generous limits
- Quick claim processing
Coverage Information:
- Availability: Coverage available for residential and commercial risks, owned or leased, in 49 states
- Replacement Cost Adjustments: Building and Contents losses are adjusted at replacement cost, regardless of occupancy
- Coverage Options: Building, Contents and Business Income (BI) or Additional Living Expense (ALE)
Ineligible Risks:
- Manufactured or mobile homes
- Boat houses
- Structures not built on permanent foundations
- Buildings located partially or entirely over water
- Locations with more than two losses in the last five years or locations with an one loss in excess of $150,000
- Container-type buildings
- Risks under the NFIP’s Emergency Program, under probation, or located in Non-Participating communities
Available Limits per Building:
- Building: Up to $50M
- Contents: $2M
- ALE/BI: $500K
- Total Combined: $50M
Contact Us
Lydia Martinez
Director of Client Relations, Private Flood Division
Related Private Flood Insurance Solutions
Commercial Flood Insurance
Excess Flood Insurance
Custom Private Flood Programs
