Tokio Marine Highland Launches Primary Residential Flood Program, TMH2O
CHICAGO, June 16, 2025 – Tokio Marine Highland announced today the launch TMH2O, the property and casualty underwriting agency’s first digital flood solution. TMH2O is a primary residential flood program offering agents a fully integrated self-service portal with the ability to easily submit, qualify, quote, bind, collect payment and issue a policy online and in real-time.
With ease of use and 24/7 access, TMH2O offers agents an industry-leading flood solution that embeds additional benefits and coverages not traditionally found in a National Flood Insurance Program (NFIP) or private flood insurance product. This includes Additional Living Expense (ALE) and Basement coverage, as well as quick claim processing provided by Tokio Marine Highland’s wholly owned Precise Adjustments. The program is available for residential single- and multi-family homes, other structures, condo units, and contents-only renters in 42 states.
“With three decades of experience and deep expertise in administering private flood programs, Tokio Marine Highland has built a reputation as a trusted adviser and industry leading resource for private flood insurance solutions,” said Lauren Savage, President of Tokio Marine Highland’s Private Flood Services Division. “TMH2O represents the next evolution of our product offerings to ensure we meet the ever-changing needs of the market and deliver the exceptional customer experience that our agents have come to expect.”
Considering that floods are the number one natural disaster in the United States and that catastrophic flooding events have been increasing in severity and frequency, agents can best serve their customers by offering more robust flood coverage solutions from Tokio Marine Highland. TMH2O coverage highlights include:
- Building limits up to $1 million
- Contents limits up to $500,000
- ALE limits up to $50,000
- Multiple deductible options available from $500 to $25,000
- Lender Compliant
- No Waiting Period
- No Coinsurance Penalty
- Replacement Cost Coverage for Building & Contents
To learn more about TMH2O and how to become an appointed agent, visit https://www.tokiomarinehighland.com/products-and-services/private-flood-insurance/tmh2o-primary-flood-insurance.
About Tokio Marine Highland
Tokio Marine Highland is a leading property and casualty underwriting agency that offers distinct specialty risk management solutions, including private flood, fine art, specialty property, real estate investment and lender-placed insurance.
Founded in 1962, Tokio Marine Highland is a wholly owned subsidiary of Tokio Marine Kiln (TMK), a leading international insurer and member of Tokio Marine Group. As one of the largest carriers in Lloyd’s insurance marketplace, TMK’s syndicates benefit from Lloyd’s financial strength, including an A+ rating from AM Best.
Tokio Marine Highland has office locations in Chicago, IL, Frisco, TX, Irvine, CA, Miami, FL, and South Pasadena, CA.
For more information, visit our website at www.tokiomarinehighland.com.
Media Contact:
Angela Childers
Sr. Director, Marketing & Communications
Tokio Marine Highland
angela.childers@tmhighland.com