Protecting your property starts with having the right flood insurance. At Emperor Insurance, we offer both NFIP (National Flood Insurance Program) and private flood insurance options from multiple trusted insurance companies to help you find coverage that fits your property, your needs, and your budget. Request your free flood insurance quote today and let our experienced, licensed agents help you compare your options and choose the policy that's right for you.
Independent agency · Est. 2007
Get Your Free Flood Quote
Takes about 60 seconds, NFIP and private flood options.
Why Clients Choose Us for Flood Insurance
Real benefits. No gimmicks.
NFIP and Private Flood Markets
We quote both, so you can see how the two compare for your property.
Flood Zone Look-Up Before Quoting
A licensed agent checks the property's flood zone rather than guessing from the address.
Elevation Certificate Guidance
A licensed insurance agent tells you whether one is likely to be needed and how it is used during quoting.
Lender Requirement Coordination
Closing dates do not move. We work directly from the requirement your lender sent.
Waiting Periods Explained Up Front
Flood programs commonly involve one. We explain the timing before you commit to a date.
Florida Coastal Experience
Miami-based agents who deal with Florida flood zones every week.
Property Owners Who Ask Us About Flood
Flood is quoted separately from home insurance, and zone designation is only part of the picture. These are the owners who most often ask.
Homes Inside a High-Risk Zone
Usually driven by a lender requirement with a firm closing date.
Homes Outside a High-Risk Zone
Flooding is not limited to high-risk zones. Owners outside them often ask us to quote it so they can weigh the cost against the risk.
Condo Unit Owners
Your association carries flood insurance for the building itself. A unit owner policy is a separate matter, and a licensed insurance agent can explain how the two relate.
Landlords and Rental Property Owners
A property you rent out is quoted differently from the home you live in. Tell us how it is occupied and we will quote it correctly.
Vacation and Seasonal Homes
Occupancy affects both availability and rating.
Buyers Under Contract
Timing matters most here. We start the flood conversation before the closing date, not after.
Frequently Asked Questions
Common questions about flood insurance.
Flood zone designation affects requirements and pricing, and a lender may ask for flood insurance regardless of zone. A licensed insurance agent can look up your property's flood zone and walk through what is available.
Flood insurance policies commonly involve a waiting period before they become effective, and the rules differ between NFIP and private flood insurance programs. Timing varies based on the type of policy and your specific situation. If you have questions about when coverage may become effective, contact Emperor Insurance and one of our licensed insurance agents will be happy to discuss your options and help you determine the timing that may apply to your situation.
Use the quote form on this page or call 305-253-5343. A licensed insurance agent reviews your information, compares flood insurance quotes from the insurance companies we represent, and follows up with the options available for your situation. There is no obligation to move forward.
Typically the property address, how it is occupied, and flood zone information if you have it. Depending on your situation, additional information may be requested. Insurance companies have different underwriting requirements. If you do not have everything to hand, a licensed insurance agent can still get started.
A captive agent represents one insurance company. As an independent insurance agency, Emperor Insurance works with multiple carriers, so if one changes its pricing or appetite we can look at others without you starting over, with the same licensed insurance agent throughout. Coverage, features and eligibility vary by policy and insurance company.
Don't Wait for the Rain
Most flood policies have a 30-day wait. Start your quote today.
Talk to a Real Agent Today
Call, email, or request a quote. A licensed Emperor Insurance agent will get back to you the same business day.