Private Flood Insurance
A simpler way to place flood coverage.
Give your clients a private flood option without a complicated placement process. Annex lets agents quote and bind eligible residential flood risks online – whether you’re placing a standalone policy or quoting flood alongside Annex’s homeowners coverage.
Broad appetite. Digital placement.
Coastal and inland appetite
Annex considers residential risks across both coastal and inland areas, with eligibility determined at the individual property level.
Digital quote-to-bind
Move eligible risks from quote to bind in the agent portal, without a separate manual underwriting referral. No elevation certificate is required to quote or bind.
Quote flood on its own – or alongside homeowners.
Start with a standalone flood quote.
Quote a separate flood policy for a new or existing client. The homeowners policy does not need to be with Annex.
Bring flood into the homeowners conversation.
When available, an indicative flood quote appears alongside your Annex homeowners quote. Use it to start the conversation, then continue through the flood application to confirm the available coverage and terms.
Coverage highlights
Dwelling
Covers the rebuilding or repair of the home’s physical structure if it is damaged in a flood.
Personal Property
Protection for the contents of the home and other personal belongings owned by the insured and their family members.
Loss of Use
Coverage for eligible additional living expenses following a covered flood loss.
Other Structures
Coverage for eligible structures separate from the insured home following a covered flood loss.
Coverage is subject to policy terms, conditions, limits, deductibles, and exclusions. Refer to the applicable product guide and policy documents for details.