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South Carolina Flood Coverage
From tropical systems along the coast to heavy inland rainfall, South Carolina homeowners understand that flooding can strike anywhere – often when it’s least expected. Standard homeowners insurance doesn’t cover flood damage, leaving many properties at risk. That’s why our private flood endorsement is designed to work seamlessly with your existing policy, providing affordable, reliable protection when you need it most.
Flooding Can Happen Anywhere
Flooding is the most frequent and expensive natural disaster in the United States, and it can happen anywhere. Even homes outside designated flood zones face the risk: just a few days of heavy rain or a slow-moving storm can lead to serious damage to your property and personal belongings.
Comprehensive Protection Beyond the NFIP
Our private flood endorsement provides broader protection, lower rates, and immediate coverage, without the 30-day waiting period required by the National Flood Insurance Program (NFIP). Even better, it’s fully accepted by mortgage lenders, so you can secure peace of mind without the delay. At American Integrity, we go beyond standard flood insurance with a private solution built for convenience, value, and lasting 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
Your homeowners insurance and flood protection should work hand in hand. Our private flood endorsement, available exclusively to American Integrity policyholders, offers seamless coverage that strengthens your protection where standard policies stop.
Add affordable, comprehensive flood coverage to your policy – because when the water rises, your peace of mind should, too.
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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