Tokio Marine Highland’s Primary Residential Flood Insurance provides superior protection and more competitive rates than what is available from the National Flood Insurance Program (NFIP). With deep expertise and best-in-class service, your customers will appreciate a trusted partner with 30 years of flood insurance experience. Our lender-accepted Primary Residential Flood solution offers enhanced sublimits and Additional Living Expense (ALE) coverage, with quick in-house claim processing.