Residential Flood

Palomar’s private, admitted, residential flood product, Flood Guard, is simple and provides the coverage wanted and needed by homeowners. Flood Guard is ideal for homeowners who may or may not have an existing NFIP policy (National Flood Insurance Program) but are looking for a more affordable and flexible flood insurance alternative.

Flood Guard

Available in: AZ, CA, CO, HI, IL, IN, NV, OK, OR, PA, SC, TN, UT, VA

Product Overview

  • An admitted alternative to the National Flood Insurance Program
  • No waiting period
  • No elevation certificate required
  • Primary and excess coverage options available
  • Payment plan options available
  • Bind without payment up front when lender bill

Guidelines & Eligibility

  • All flood zones eligible for quoting
  • No occupancy clause
  • Restriction on homes that have had a prior flood loss in the last 10 years or any flood loss more than $150,000
  • Restriction on mobile or manufactured homes
  • Restriction on homes located in, on, over water, or seaward of mean high tide

Coverage & Limits

  • Dwelling limit up to $5mm
  • Personal property limit up to $1mm
  • Loss of use limit up to $50,000
  • Fixed deductible as low as $500

Contact us to learn more about our products and coverages