Primary and Excess Flood Insurance
Unpredictable weather patterns and changing storm dynamics have created a greater risk of flooding than in decades past; prompting many homeowners to re-evaluate their need for flood insurance. All Risks offers Private Flood insurance, both Primary and Excess, with higher limits and more robust coverage than the National Flood Insurance Program (NFIP). Contact us today to receive a Flood insurance quote.


Primary Flood

  • A.M. Best “A” rated carrier
  • Higher limits and broader coverage than the NFIP
  • Dwelling: Up to $1,000,000
  • Contents: Up to 70% of dwelling value
  • Other Structures: 10% of the dwelling value
  • Loss of Use: Up to 20% of dwelling value
  • No waiting period
  • No elevation certificate required
  • Multiple deductible options

Excess Flood

  • All Flood Zones (excludes COBRA and non-participating communities)
  • Up to $10M TIV
  • No restrictions on coverage limits
    (cannot be excess replacement cost of home)
  • No minimum requirements
  • Email Quoting

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All Risks, Ltd. Private Flood Insurance vs. NFIP Coverage

Private Flood Insurance Application with Reference Sheet

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Primary Flood


• Owner – Primary
• Owner – Secondary
• Rental – Annual
• Rental – Seasonal
• Vacant
• Builder’s Risk

Excluded Classes

Risks located partially or entirely over water, in a FEMA COBRA Zone, in a FEMA Floodway and Condos

Excess Flood

• Residential dwellings (1-4 family)
• Apartments and condominiums

Primary Flood

  • Dwelling
  • Contents
  • Other Structures
  • Loss of Use
  • Loss Avoidance
  • Mold Prevention Costs
  • Debris Removal
  • Increased Cost of Compliance

Excess Flood

  • Building, Contents and Loss of Income (Content and Loss of Income only offered in conjunction with Building coverage)
  • Offered as Excess to underlying Flood coverage

Primary Flood

  • Signed application
  • Diligent effort form (if applicable)
  • State affidavit (if applicable)

Excess Flood

  • Flood Zones A and V require elevation certificates for quoting
  • Signed application
  • Diligent effort form (if applicable)
  • State affidavit (if applicable)

Binding made easy with a centralized bind request e-mail, or call 877-275-9578.

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Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.