Excess Flood Insurance NOINDEX
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 coverages than the National Flood Insurance Program
Stable, Competitive Rates
Stable and competitive rates, with multiple deductible options from $1,000 to $100,000
Fast Claim Support
Quick claim processing provided by our wholly owned subsidiary Precise Adjustments
Why Entrust Us with Your Commercial 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
Get a Flood Quote Now: Please submit a copy of the primary flood declaration page or Tokio Marine Highland Excess Flood Application to: excessfloodquote@tmhighland.com
Contact Us
Christopher Page
Vice President, Private Flood Division
Related Private Flood Insurance Solutions
Primary Residential Flood Insurance (TM-H2O)
Commercial Flood Insurance
Excess Flood Insurance
Custom Private Flood Programs