excess flood insurance


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Excess flood insurance is a private insurance policy that extends beyond government-sponsored coverage. Homeowners who live in a high-risk flood zone, own a high-value home or if the cost to rebuild is more than their policy coverage, should consider excess flood insurance. Your mortgage lender may also require you to purchase excess flood insurance if your mortgage is more than $250,000, but it's not a legal requirement.

Even though flood insurance is not required, it's a good thing to have. Water damage caused by flooding can cost property owners thousands of dollars in repairs. Flood insurance will help cover repairs and replace any items lost in a flood.

Excess flood insurance may be worth the extra expense, especially if you live in an area that is at high risk for flooding. If your home is severely damaged or destroyed, and you are still paying off your mortgage, you will be required to pay off the remaining costs to your home. So before you go and buy these extra costs, give Holt Flood Insurance a call, we can help you determine if this is right for you and your family. As flood insurance experts, we can help you with all your flood insurance needs.

For more information on excess flood insurance, visit our website or give us a call at 1-540-809-1415. We will answer any questions you may have, contact Holt Flood Insurance today.



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excess flood insurance

Here is what our clients are saying about us:

I have known Tim for many years and he is a man with great integrity, work ethic and one of the nicest persons I know. Over the years Tim has provided insurance counseling and advice to our company, for myself personally, as well as to our clients. Recently Tim, took time to analyze our flood insurance policy and he was able to make some excellent recommendations. Our flood insurance costs are now less and we have much better coverage. I recommend Tim to anyone without hesitation or reservation.
Edward Semambya, CPA

We contacted Mr. Holt for an estimate via email over the weekend prior to a closing on a property, hoping for a response on the following Monday to take with us with confidence in being insured at the settlement table on a Tuesday. He exceeded our expectations not once but in readily responding to the initial request and then to follow-up questions all during the weekend frenzy that occurs before closing. "Impressive and responsive customer service," for sure!
Ken Reuwer

I have no problem giving you an A1 reference for taking care of the flood policies for me and Diane. I appreciate you working with the mortgage company: the surveyor and our previous agent. The result was a 75% reduction in our flood insurance premiums!
Mike Edwards


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