Private Primary Flood

Offered by Orchid Insurance

Flood Water Damage Private Flood Personal Lines Primary Flood


No other type of natural disaster has done more damage and destruction than flooding. In fact, according to the Federal Emergency Management Agency (FEMA), just 1 inch of water can cause $27,000 or more in damages to your property. It is important to remember that your insured’s homeowner policy oftentimes does not cover flooding, and even if it does you may need excess coverage to truly protect your home.

Orchid offers an alternative to the National Flood Insurance Program by providing appointed agents access to Private Primary Flood programs on non-admitted paper. These private markets allow a higher limit than the NFIP, and does not require the 30 day waiting period. Both our markets are A.M. Best A- or Better Rated.

Coverage Details:

  • Coverage up to $2 million building, $500,000 personal property
  • Options to add Replacement Cost, Temporary Living Expense, and more

Product Advantages:

  • Quote and Bind in less than 3 minutes
  • Instant quote and policy search
  • Single page quoting
  • Real time premium change
  • No Elevation Certificate or photos needed
  • 10 day wait (no wait period for loan transactions)

 Eligible Properties:

  • Primary & Secondary Residential
  • Apartments, Multi-Family
  • Condominiums


Appointment Required

Carrier Information

Multiple Markets Available


Rating A- or Better

Rating By A.M. Best

Listing Contact

Marketing Department

Offered By

Orchid Insurance

33 listings in 50 states + DC

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Availability 49 states

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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