Flood Insurance
In Florida, where heavy rain, hurricanes, and storm surge are a fact of life, flood insurance can be a real financial lifesaver. The team at Brunt Insurance will guide you through finding a policy that will give you peace of mind.
I Want to Find Out About…
Contact Us Today
Our team is here to make it easy and stress-free to find the right plan for your property. Give us a call and let’s get started!
(954) 589-2204 Send A MessageGet A Free Quote
Fill out this brief form and we’ll get back to you shortly.
LOCAL EXPERTISE
Flood Insurance
Even if you’re not right on the beach, flooding can happen anywhere—nearly 25% of flood claims come from properties outside of high-risk zones.
Brunt Insurance are Florida flood insurance experts. We’ll help you navigate all the details like the National Flood Insurance Program (NFIP), which offers homeowners federally backed flood insurance; or potential discounts through the Community Rating System (CRS), in which flood insurance premiums are lower if your city takes steps to reduce flood risks.
From quote to coverage, we’ll make sure you feel confident you have the right policy in the event your home faces high water.
What does flood insurance cover?
Flood insurance usually comes in two parts:
Building Property Coverage
Covers the structure of your home
Foundation, walls, and floors
Electrical and plumbing systems
Central heating and air conditioning
Appliances like refrigerators, water heaters, and stoves
Detached garages (coverage may be limited)
Personal Property Coverage
Covers your belongings
Furniture, clothing, and electronics
Portable appliances
Curtains, rugs, and valuables (up to specified limits)
Exclusions may apply to landscaping, cars, outdoor pools, and temporary living expenses
Personal Property
Personal property is not as basic as years past. In today’s market money is being spent on electronics, televisions and computers. Our goal is to help you cover all of your valued belongings.
Liability Coverage
Liability coverage helps protect against unfortunate accidents that happen from time to time, which occasionally result in lawsuits. If someone is injured or property damage that you or your family may cause to other people on or way from your property could result in a lawsuit, liability coverage will help provide legal defense expenses and protect your assets. It’s also recommended that a Personal Umbrella Policy be put in place to protect higher amounts and additional accidents.
Medical Coverage
If a visiting friend happens to slip and fall, they may sue you for damages; guest medical coverage portion of your homeowner’s policy can reimburse your guest for the medical expenses and related costs as a result of their accident on your property. From emergency room visits, ambulance transportation and medical / surgical, your guest will be covered up to a certain amount.
Florida-Specific Considerations
Flood insurance in Florida isn’t just for beach homes—it’s a smart move for anyone who wants to protect their property from unpredictable weather. Whether through the NFIP or a private carrier, it can give you peace of mind that a sudden downpour or storm surge won’t wash away your savings.
A Few Tips:
Flood insurance has a 30-day waiting period, so don’t wait until a storm is coming.
Combine it with wind mitigation coverage (if your regular policy doesn’t include hurricanes).
As Florida natives, Brunt Insurance understands flood maps and regulations in your specific area
Contact Us TodayHome & Flood Insurance Carriers
These are the companies we work with to create our homeowners coverage policies.
Condo Insurance
One of the biggest selling attractions when buying a condominium is little or no exterior building maintenance or repairs needed to be made by you. The condominium association usually covers the structure in their “Master Policy,” however the interior is the responsibility of the homeowner. Almost all condominium associations require the homeowner to have specific condo insurance.
Responsibility
In most condo communities the association is responsible for the building structure and the common areas. From the studs in is the responsibility of the homeowner. This covers such things as drywall, paint, cabinets, appliances, and personal property.
Condo policies include:
Dwelling Protection – cabinets, studs, paint, and etc.
Personal Property Protection – furniture, televisions, computers, etc.
Liability Coverage – to prevent lawsuits
computers, etc.
Loss Assessment – possible requirement from the condo association to cover a particular loss, usually is $2,000 computers, etc.
Renters insurance is an inexpensive way to help protect your personal property. Your landlord’s policy will not cover your belongings. In the tragic event of a fire, flood or hurricane, everything you own could be a total loss and without renters insurance you will be replacing your personal property at your expense. Renters insurance is affordable and for most policies costs less than a dollar per day.
Your renter’s policy will include:
Personal Property Protection – Even though you are renting and do not have a vested interest in the structure, you have invested money in your belongings and a renters policy will give you the protection needed for your possessions.
Family Liability Protection – This part of the policy will help provide legal protection and representation against judgments.
Additional Living Expenses – If you need to relocate temporarily due to reconstruction of your apartment or rental home this coverage will reimburse your expenses.
Renters Insurance
Personal Umbrella
Umbrella insurance can help further protect your assets. It kicks in when you’ve reached the limits of your automobile or home insurance and all other resources have been exhausted. An umbrella policy is designed to give you an extra cushion of insurance for moments when the unexpected happens.
How An Umbrella Policy Works
An umbrella policy can cover damage claims that are caused by you, dependents or even family pets. Once the liability in your insurance policy runs out, the umbrella policy will start to pay. If your home insurance policy covers up to $300,000, the umbrella policy will pay out once that’s been exhausted and will continue to do so until the limit is reached. A typical umbrella policy is 1 million or 2 million of coverage.
Why do I need an umbrella policy?
Lawsuits are everywhere, it seems near daily news reports happen of record settlements being paid out and judges are awarding more money than ever before. All homeowners, auto, boat and motorcycle policies have a capped limit on liability insurance, will you have enough in your current policy to cover negligence? It’s impossible to predict how any judge will award an injured person; an umbrella policy is used to add peace of mind, knowing you are covered, and are designed for every policy holder, not just the wealthy.
The liability insurance of your policy is the portion that will pay for expenses like an injured persons medical bills and lost wages due to the at fault person. Legal fees used to in the defense of the representative are also covered in the event it goes to court. The standard liability for most policies simply isn’t enough to cover the medical expenses, lost wages and other expenses from these unfortunate accidents. Without the coverage an umbrella policy provides, personal assets from the at fault driver could be seized as a result of a lawsuit and similar laws are in effect for home and watercraft owners too. The equity in your home, money in the bank and savings are not protected, worse yet, your wages could be garnished to cover the expenses.
Get in Touch and Get A Great Policy
Our team is standing by to answer any questions you have. Call or click today and find out how easy it is to protect your home or business.
Get A Free Quote