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Florida Insurance Offerings
We’re here to help protect your home from Florida’s unique challenges with our broad coverage options including those for new construction, high-valued homes, condos, older homes, manufactured homes, renters, flood, cyber, and more.
Whether it's your vacation getaway, a vacant home, a short-term rental, or a seasonal rental property, our secondary and seasonal dwelling insurance ensures that your investment is protected year-round from Florida’s unique risks.
Golf carts are a great way to get around, whether it’s on the course or in your community. With our Golf Cart Insurance, you can enjoy your rides knowing your cart is protected from accidents, theft, and liability.
Whether you’re out on the water for leisure or sport, our Watercraft Insurance offers comprehensive coverage to keep your boat, personal watercraft, or Jet Ski® protected from the unexpected.
From installing protective devices in your home to being a senior or retiree, we offer a range of discounts to help keep your home insurance affordable.
We’re here to help protect your home from Florida’s unique challenges with our broad coverage options including those for new construction, high-valued homes, condos, older homes, manufactured homes, renters, flood, cyber, and more.
Whether it's your vacation getaway, a vacant home, a short-term rental, or a seasonal rental property, our secondary and seasonal dwelling insurance ensures that your investment is protected year-round from Florida’s unique risks.
Golf carts are a great way to get around, whether it’s on the course or in your community. With our Golf Cart Insurance, you can enjoy your rides knowing your cart is protected from accidents, theft, and liability.
Whether you’re out on the water for leisure or sport, our Watercraft Insurance offers comprehensive coverage to keep your boat, personal watercraft, or Jet Ski® protected from the unexpected.
From installing protective devices in your home to being a senior or retiree, we offer a range of discounts to help keep your home insurance affordable.
Georgia Insurance Offerings
From beaches to mountains, American Integrity provides comprehensive coverage for Georgia homeowners insurance so you can enjoy peace of mind in your newly constructed home (built in the last five years).
Golf carts offer a fun and convenient way to travel—on the course or around your neighborhood. With our Golf Cart Insurance, you can ride confidently knowing your cart is covered against accidents, theft, and liability.
Standard homeowners insurance excludes flood coverage, leaving you at risk. Add a flood endorsement to protect your Georgia home and belongings from unpredictable water damage with rates that are typically 15% lower than the NFIP.
From using an accredited builder to installing protective devices in your home, we offer a range of discounts to help keep your Georgia home insurance affordable.
From beaches to mountains, American Integrity provides comprehensive coverage for Georgia homeowners insurance so you can enjoy peace of mind in your newly constructed home (built in the last five years).
Golf carts offer a fun and convenient way to travel—on the course or around your neighborhood. With our Golf Cart Insurance, you can ride confidently knowing your cart is covered against accidents, theft, and liability.
Standard homeowners insurance excludes flood coverage, leaving you at risk. Add a flood endorsement to protect your Georgia home and belongings from unpredictable water damage with rates that are typically 15% lower than the NFIP.
From using an accredited builder to installing protective devices in your home, we offer a range of discounts to help keep your Georgia home insurance affordable.
South Carolina Insurance Offerings
From sandy beaches to picturesque mountains, American Integrity provides comprehensive homeowners insurance throughout South Carolina so you can relax and enjoy your home with peace of mind.
The most common and costliest natural disaster in the U.S. is flooding. Flood protection is not included on a standard homeowners insurance policy, so it’s important to make sure you’re covered.
From living in a secured community to opting for a paperless policy, we offer a range of discounts to help keep your South Carolina home insurance affordable.
From sandy beaches to picturesque mountains, American Integrity provides comprehensive homeowners insurance throughout South Carolina so you can relax and enjoy your home with peace of mind.
The most common and costliest natural disaster in the U.S. is flooding. Flood protection is not included on a standard homeowners insurance policy, so it’s important to make sure you’re covered.
From living in a secured community to opting for a paperless policy, we offer a range of discounts to help keep your South Carolina home insurance affordable.
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.
Putting our products to the test when the unexpected occurs
Don’t just take it from us – hear from real customers about how our Claims Team helped rebuild their homes after a loss.
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
Your premium is based on factors like the value of your home or personal property, your location, and the types of coverage you select.
The declarations page on your policy will outline specific coverages, including what’s protected and what’s not. We recommend reviewing your policy with an agent to fully understand your protection.
You can file a claim with American Integrity by calling our 24/7 claims line at 1-866-277-9871 or filing online through our Customer Portal. If you have tropical storm or hurricane-related damage, please call 844-MYAIIC1 (844-692-4421).
Yes! As your needs change, you can adjust your coverage to make sure you’re always fully protected. You can also add additional insureds, like a co-owner or spouse, who have a financial interest in your property. Talk to your agent to update your policy.
We offer coverage designed for the Southeast’s unique risks, like hurricanes and flooding, supported by deep local expertise and outstanding service. Our broad product portfolio covers everything from homes to boats, golf carts, and rental properties—always with integrity at the heart of what we do.
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