Private Flood Insurance


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Private flood insurance is an insurance policy written by a private carrier that is not backed by the federal government. In the past private flood insurance was only for homes with high-value, but recently it has become more popular with homeowners. Some private insurance companies offer shorter waiting periods and faster payouts when compared to insurance offered through the National Flood Insurance Plan (NFIP).

Since homeowners insurance does not cover water damage due to flooding, purchasing flood insurance is the best protection against an event such as a flood. Some homeowners in various states like Texas, Florida and Lousiana have stated that they have paid smaller insurance premiums when purchasing flood insurance through a private company.

There are private flood insurance companies that have coverage of 2 million dollars on homes and $500,000 for contents. So if your home contains expensive collections like artwork, insurance through a private company may be the best option for your home. They can also pay for living expenses if you cannot stay at your home during renovations.

At Holt Flood Insurance, we can work with a private flood insurance company to ensure you are getting the best coverage. With over 30 years of experience in flood insurance, we have taken pride in the level of service we have offered to the thousands of customers over the years. For more information about flood insurance, give us a call at 540-809-1415. We will answer any questions you may have, contact Holt Flood Insurance today.



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Private Flood Insurance

Here is what our clients are saying about us:

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

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