Did you know that we at Anywhere Insurance Agency are committed to helping you protect your new home in serious weather circumstances? That’s why we offer access to both the National Flood Insurance Program (NFIP) and Private Flood Insurance. While both options provide valuable protection, private flood insurance offers key advantages—especially during times of federal uncertainty.

It’s a common misconception—but important to clarify: standard homeowners insurance policies do not cover flood damage. Flooding is considered a separate peril, and protection against it requires a dedicated flood insurance policy, either through the National Flood Insurance Program (NFIP) or a private flood insurer.

Without flood insurance, homeowners may be left paying out-of-pocket for costly repairs and losses caused by heavy rain, storm surge, overflowing rivers, or melting snow as examples. Whether your property is in a high-risk flood zone or not, flood insurance provides critical financial protection—and peace of mind.

Key Advantages of access to the Private Flood Insurance:

During a government shutdown, NFIP typically cannot issue new policies or process renewals, endorsements, or coverage increases. This may disrupt real estate closings for properties in special flood zones, and leave homeowners exposed if their policy lapses. Private insurers are typically not affected by government shutdowns and generally continue to operate normally. They can issue new policies, renewals, and process claims without interruption.

Private flood policies often include a wider range of customizable coverages including limits that exceed the 250k gov program maximum.

Why This Matters During a Government Shutdown:

Policyholders at Risk: Homeowners whose NFIP policies expire during a shutdown may be left without flood insurance if they can't renew.

Private Flood Solution: Private insurers can bridge the gap, ensuring uninterrupted coverage and enabling closings to proceed smoothly. It is recommended to confirm with your lender early on that they accept private flood as not all lenders do.

Whether you're reviewing your current policy or exploring new options, our team is here to help. Reach out today to learn more about flood insurance choices and how they can keep you covered—no matter what.

For more information or to get a quote, click here to make an appointment with one of our sales account executives today!

This material is meant for general illustration and/or informational purposes only. Although the information has been gathered from sources believed to be reliable, no representation is made as to its accuracy. The material is not intended to be relied upon as a statement of the law, and is not to be construed as legal, tax or investment advice. You are encouraged to consult your legal, tax or investment professional for specific advice. Not for reproduction.