TMH Marketing

Tokio Marine Highland Doubles Primary Flood Limits to Meet Rising Demand for More Flood Coverage

Tokio Marine Highland has significantly expanded limits available through TMH₂O, making it easier for agents and brokers to secure flood protection for higher-value homes.

Primary residential flood building limits have doubled from $1 million to up to $2 million, while contents limits have increased to up to $1.3 million. As construction costs continue to rise, this enhancement gives agents and brokers greater flexibility to offer higher flood insurance limits for residential properties without sacrificing speed.

In addition to the higher limits, TMH has expanded several key coverage features within its primary residential flood product, including:

• Other structures coverage up to 10% of the flood building limit or $50,000 (whichever is less)
• Pool repair and refill coverage up to $500
• Loss assessment coverage of an additional $1,000 for deductible assessments

Primary residential flood policies through TMH₂O are available for single- and multi-family homes, other structures, condo units, and contents-only renters in 42 states. Coverage is offered with no waiting period, no co-insurance penalty, and up to $50,000 in additional living expenses, with multiple deductible options.

With the expanding need for residential flood insurance, rising reconstruction costs, and potential changes on the horizon for the National Flood Insurance Program (NFIP), these enhancements offer agents more solutions to protect their clients’ most valuable assets.

On May 7, 2026, the FEMA Review Council released a report assessing the agency and the NFIP, recommending a reform plan that would increase the role of the private flood market and create a more financially stable flood risk management system.

With more than 30 years of experience writing flood insurance, TMH welcomes the recommendation and future opportunities to work with policymakers and help homeowners better protect their properties and improve flood resilience in their communities.

We remain committed to helping agents educate clients on their flood risks and close coverage gaps. With fewer than 5% of homeowners carrying flood insurance — and many insufficiently insured to rebuild after a damaging flood event — TMH’s increased capacity can help you ensure clients obtain the flood protection they need.

Appointed agents and brokers can obtain quotes from our portal or by email, and will continue to benefit from 24/7, real-time access to flood insurance solutions, outstanding claims support, and the confidence of working with a company backed by the institutional strength of Tokio Marine Group.

For more information, email PrivateFloodSolution@tmhighland.com.

 

After an uneventful 2025 hurricane season, it’s easy for home and business owners to grow complacent and dismiss the need to prep for a potential “big one.”

Don’t leave your clients uninsured and vulnerable to flood risk.

This week is Hurricane Preparedness Week, serving as a reminder that the 2026 hurricane season is quickly approaching. With more than a dozen named storms and a half dozen hurricanes predicted, now is the time to ensure your clients’ properties are adequately protected from floods.

This year’s El Niño weather patterns may suggest less Atlantic storm activity overall in 2026, but history has shown us these predictions don’t reflect storm strength or the potential damage that can occur. Take 1992’s forecast of just seven named storms: One became Category 5 Hurricane Andrew, ranked as the 10th most powerful hurricane to hit the U.S. by wind speed.

Yet, two-thirds of residential flood losses are uninsured, and many homeowners with flood policies don’t carry enough insurance to repair and rebuild after a significant loss. While the National Flood Insurance Program (NFIP) can provide protection up to $250,000, with today’s home prices and construction costs expected to increase as much as 4% in 2026, a larger primary policy and an excess layer may be needed to fully insure your clients’ most significant investment — their home.

Even if a homeowner’s NFIP policy provides sufficient coverage, persistent program lapses due to government shutdowns can leave policyholders exposed. Last year’s 43-day interruption halted NFIP policy renewals and modifications for six weeks, causing headaches for policyholders as well as their agents and brokers, who scrambled to secure insurance in the private flood marketplace.

Don’t wait until a storm is churning in the Atlantic to talk to your clients about flood insurance. Now is the time to crunch the numbers with policyholders to determine their flood exposure and obtain primary and excess flood insurance to protect their properties and their livelihoods.

Secure clients the best rates and most extensive flood coverage by obtaining a quote today or contact PrivateFloodSolution@tmhighland.com for more information.

The National Flood Insurance Program may still be on pause, but the Philadelphia Insurance Companies’ (PHLY) Commercial Primary Flood Program is available to help your clients protect their businesses from flood risks during the government shutdown.

PHLY’s Commercial Primary Flood Program provides coverage for buildings with $15M in replacement costs or less, and offers key benefits such as:

• Business Income Coverage
• Replacement Cost Coverage for Building & Contents
• Ability to Schedule Locations
• Multiple Deductible Options

Maximum Limits

• Building: $5M
• Contents: $1M
• Business Income: $100,000
• Total Combined: $5M*

*Please note that the total combined limit of $5M is per building

Give your business clients peace of mind. Explore PHLY’s program and contact PHLYFlood@tmhighland.com for a quote.

As floodwaters rise, so do the stakes. Beyond the Flood was a virtual panel held on August 14th, 2025 that brought together voices from Texas and Florida for a dialogue on the evolving landscape of flood risk, recovery, and resilience.

Featuring Director of Client Relations Lydia Martinez from TMH Private Flood, this panel explored the shared challenges both states face – from atmospheric and environmental shifts to policy reform and preparedness. The forum delved into the technical, political, and human dimensions of flood risk in a changing nation. Together, we look beyond the flood, toward a future shaped by informed advisors, cross-state collaboration, and lasting resilience.

Watch it here.

Panelists:

Lydia Martinez, Tokio Marine Highland Private Flood

Katherine Howington, Aon Edge

Tyler Ardron, Floodproofing.com

To learn more about Tokio Marine Highland’s comprehensive flood offerings or to have us quote your potential target risks, contact us at PrivateFloodSolution@tmhighland.com.