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Smarter Flood Insurance
From heavy rains and rising rivers to the remnants of coastal storms, Georgia homeowners know that flooding can happen anywhere – and often without warning. Unfortunately, standard homeowners insurance policies do not cover flood damage. That’s where our private flood endorsement comes in. Designed to pair perfectly with your existing policy, this affordable add-on offers powerful protection when you need it most.
Flooding Can Happen Anywhere
Flooding is the most common and costly natural disaster in the U.S. Even if you’re not in a designated flood zone, your home may still be at risk. All it takes is a stalled storm system or days of heavy rain to cause significant damage to your property and belongings.
Comprehensive Protection Beyond the NFIP
Our private flood endorsement offers lower rates, broader protection, and immediate coverage – unlike the typical 30-day wait with the National Flood Insurance Program (NFIP). Better yet, our coverage is accepted by mortgage lenders, giving you peace of mind without the hassle. American Integrity is proud to go beyond the basics with a private solution that’s designed to deliver real value and reliable protection.
Coverage Comparison
Coverage American Integrity NFIP Building Limits $2,000,000 (Additional coverage can be reviewed by underwriting) $250,000 Content Limits $750,000 (Additional coverage can be reviewed by underwriting) $100,000 Replacement Cost Coverage on Contents Included (Subject to certain conditions) Not offered Loss of Use Included (Subject to certain conditions) Not offered Additional Living Expenses $5,000 Not offered Policy Format Endorsement Stand-alone policy Waiting Period No waiting period 30 days Reserve Fund Assessment None Up to 15% HFIAA Surcharge None Up to $250 Policy Fee None $25 Coinsurance Penalty None Yes Deductible One deductible per occurrence Separate for building & contents
Exclusively for American Integrity Policyholders
Great protection should work together seamlessly – like American Integrity's flood endorsement, available exclusively for our policyholders. When combined with your homeowners policy, it creates a more complete safety net for your biggest investment.
Protect your home with comprehensive, competitively priced flood coverage: because when water rises, so should your protection.
Frequently 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
Standard homeowners insurance policies DO NOT cover flood damage. While flood insurance may be required in some circumstances, it’s wise to consider coverage no matter where you live, because flooding can happen anywhere.
Flood Insurance covers your home and belongings against water damage (such as storm surge) from hurricanes, tropical storms, and heavy rains, which aren’t included in standard policies.
The National Flood Insurance Program (NFIP) is a federal program managed by FEMA that provides flood insurance to property owners, renters, and businesses in specific communities. Coverage usually begins 30 days after purchase, and rate are determined by FEMA’s guidelines.
Our Flood Insurance offers lower rates and more robust coverage compared to the NFIP. There’s no waiting period and only one deductible per occurrence!
American Integrity’s Flood Insurance is available for homes, condos, rental properties, vacant properties, and seasonal residences.
There’s no waiting period! Your Flood coverage goes into effect immediately when you purchase through American Integrity.
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