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Protect Your Digital World
In today’s connected world, cyber threats are a growing concern. Our Cyber Coverage Insurance provides robust protection against digital risks like identity theft, fraud, and unauthorized access to your personal devices, so you can feel secure in the digital age.
Identity Theft Protection
Safeguard your identity from online fraud with coverage designed to help protect you from digital threats. If fraud does occur, our cyber coverage helps you recover lost funds and restore your credit.
Cyber Fraud
Coverage that protects you from unauthorized access, fraudulent transactions, and data breaches that can compromise your personal or financial information.
Personal Device Security
Coverage protecting your smart home systems and personal devices - like mobile phones, tablets, and laptops - from cyber-attacks and unauthorized access.
Why Choose American Integrity?
Staying protected in today’s increasingly digital world is more important than ever. American Integrity’s Cyber Coverage is designed to give you peace of mind, knowing that your personal data, financial information, and devices are secure from the latest cyber threats. With customizable options, you can choose the protection that fits your lifestyle and rely on us to keep you covered.
Discounts
You can save on your premiums with Cyber Coverage by bundling it with other policies or installing protective security systems in your home, further enhancing your overall protection.
DiscountsFrequently Asked Questions
We get it, the details of insurance policies are complex. These answers to some of our most commonly asked questions should help make it a little easier.
See All FAQs
Our Cyber Coverage protects your devices from unauthorized access, defends smart home systems, and provides coverage against malware attacks, cyber extortion, online fraud, and identity theft.
Identity Recovery Coverage reimburses expenses for legal fees and other costs related to identity theft and includes Restoration Case Management by a dedicated licensed investigator.
Cyber and ID Theft Coverage are included in the Homeowners Gold and Diamond Bundle Coverage and are optional endorsements for condos, rentals, and rental and seasonal dwellings. For additional details, please contact your agent.
Learn more about homeowners and residential insurance
Browse educational articles about insurance coverage for your home and other types of property.
Don't Get Swept Away: Flood Insurance Options for Florida Homeowners
Florida homeowners face high flood risks, and standard insurance doesn’t cover flood damage. Learn how American Integrity’s private flood endorsement offers affordable, flexible protection.
6/23/2025 1:43:09 PM
Flooding is the most common and costliest natural disaster in the U.S., and Florida homeowners face some of the highest risks in the country. From hurricanes and storm surges to heavy rainfall and rising rivers, it doesn’t take much for water to wreak havoc on your home.
Yet many homeowners are surprised to learn that standard homeowners insurance policies don’t cover flood damage. Without proper protection, you could be left footing the bill for costly repairs and the loss of cherished belongings.
If you live in Florida, understanding your flood insurance options isn’t just smart - it’s essential.
Why Traditional Homeowners Insurance Doesn't Cover Floods
Traditional homeowners insurance policies are designed to provide coverage for a wide range of perils, including fire, theft, and certain types of water damage. However, when it comes to floods, these policies typically exclude coverage for damage caused by rising water. This means that if your home is damaged by a flood, your traditional homeowners' insurance policy may not provide the financial protection you need to recover and rebuild.
In fact, basic homeowners insurance policies have not covered flood damage for many decades. According to the Natural Resources Defense Council, a series of costly flood disasters in the 1940s, 1950s, and 1960s led private insurers to stop covering flood risk in a standard homeowners policy.
Introducing Private Flood Endorsement
American Integrity Insurance offers a private flood endorsement that provides peace of mind for Florida and Georgia residents, regardless of the type of property they own. This private flood insurance is designed to supplement existing homeowners insurance policies, offering coverage specifically for flood-related damage.
Customized Coverage Options
One of the key advantages of the private flood endorsement is its flexibility. Homeowners can tailor their coverage to include:
- Dwelling and personal property
- Additional living expenses if your home becomes uninhabitable
- Coverage limits that fit your property's value and risk profile
Ensuring Financial Security
A private flood endorsement helps homeowners safeguard their financial future. safeguard their financial future. It provides a safety net against one of Florida’s most frequent and expensive natural disasters, offering stability and confidence in the face of uncertainty.
What About the National Flood Insurance Program (NFIP)?
American Integrity Insurance has been certified by the Florida Office of Insurance Regulation to offer private flood insurance that meets or exceeds NFIP requirements. Our coverage often provides lower rates and broader protection than the NFIP, with one key advantage: no waiting period. Your coverage takes effect immediately.
Protect Your Property & Your Future with Flood Insurance
Flood insurance is more than an add-on; it’s a necessity for Florida homeowners. Protect your home and possessions with American Integrity’s private flood endorsement. Contact one of our agents today to find coverage that fits your needs and gives you peace of mind before the next storm season begins.
Don't Get Swept Away: Flood Insurance Options for Florida Homeowners
Florida homeowners face high flood risks, and standard insurance doesn’t cover flood damage. Learn how American Integrity’s private flood endorsement offers affordable, flexible protection.
6/23/2025 1:43:09 PM
Flooding is the most common and costliest natural disaster in the U.S., and Florida homeowners face some of the highest risks in the country. From hurricanes and storm surges to heavy rainfall and rising rivers, it doesn’t take much for water to wreak havoc on your home.
Yet many homeowners are surprised to learn that standard homeowners insurance policies don’t cover flood damage. Without proper protection, you could be left footing the bill for costly repairs and the loss of cherished belongings.
If you live in Florida, understanding your flood insurance options isn’t just smart - it’s essential.
Why Traditional Homeowners Insurance Doesn't Cover Floods
Traditional homeowners insurance policies are designed to provide coverage for a wide range of perils, including fire, theft, and certain types of water damage. However, when it comes to floods, these policies typically exclude coverage for damage caused by rising water. This means that if your home is damaged by a flood, your traditional homeowners' insurance policy may not provide the financial protection you need to recover and rebuild.
In fact, basic homeowners insurance policies have not covered flood damage for many decades. According to the Natural Resources Defense Council, a series of costly flood disasters in the 1940s, 1950s, and 1960s led private insurers to stop covering flood risk in a standard homeowners policy.
Introducing Private Flood Endorsement
American Integrity Insurance offers a private flood endorsement that provides peace of mind for Florida and Georgia residents, regardless of the type of property they own. This private flood insurance is designed to supplement existing homeowners insurance policies, offering coverage specifically for flood-related damage.
Customized Coverage Options
One of the key advantages of the private flood endorsement is its flexibility. Homeowners can tailor their coverage to include:
- Dwelling and personal property
- Additional living expenses if your home becomes uninhabitable
- Coverage limits that fit your property's value and risk profile
Ensuring Financial Security
A private flood endorsement helps homeowners safeguard their financial future. safeguard their financial future. It provides a safety net against one of Florida’s most frequent and expensive natural disasters, offering stability and confidence in the face of uncertainty.
What About the National Flood Insurance Program (NFIP)?
American Integrity Insurance has been certified by the Florida Office of Insurance Regulation to offer private flood insurance that meets or exceeds NFIP requirements. Our coverage often provides lower rates and broader protection than the NFIP, with one key advantage: no waiting period. Your coverage takes effect immediately.
Protect Your Property & Your Future with Flood Insurance
Flood insurance is more than an add-on; it’s a necessity for Florida homeowners. Protect your home and possessions with American Integrity’s private flood endorsement. Contact one of our agents today to find coverage that fits your needs and gives you peace of mind before the next storm season begins.