Product Availability Map
FL and NJ: 0 days
Lender closing: 0 days
All other: 7 days
Lender closing: 0 days
All other: 30 days
Not required,
but could be beneficial for rating
Not required,
but could be beneficial for rating
Up to $7.5 Million*
Not applicable
Up to $1.5 Million*
$250k
Up to $20% of Cov A Separate Limit*
Up to 10% included limit for limited structures
Up to 50% of Dwelling Limits
$100k
Up to 50% of Cov A, max of $250k*
Limited coverage to machinery & equipment servicing the building, unfinished drywall, and non-flammable insulation
Up to 50% of Cov C, max of $100k*
Portable AC, clothes washer & dryer, food freezer (not a walk-in), food in freezer
Up to 50% of Cov A, max of $150k*; $5k included in base tier
Not available
Primary of Secondary Residence
Any
Single-family only**
1-4 family for residential
FL MGA Fee: $25
FL FIGA Fee: 0.7% + 1.3% of premium = $20
FL fee Total: $45
NJ MGA Fee: $0
NJ fee Total : $0
E&S MGA Fee: $50
E&S Tax: $3.5***
E&S fee Total: $53.5
Reserve fund 18%: $180
Policy Fee $47,
HFIAA $25
Non-Primary $250
Total fee: $502
Lender billed,
Pay in full,
Semi Annually, Quarterly & Monthly****
Pay in full
Pool Clean-up/Repair (Up to $50k),
Loss Avoidance Measures,
Loss Assessment Charges,
Fire Dept Service Charges,
Deck and Handicap Ramp,
Law and Ordinance Compliance,
Trees. Shrubs, and Other Plants
Higher Special Limits
Not available
Beyond Floods is not affiliated with the National Flood Insurance Program
A buy up of coverage, not included in base tier offering *
Includes Townhomes and Duplex unit not in a condo form of ownership **
minor variations to this amount per state ***
Installment fees may apply ****
Any model used to predict outcomes is only as good as the input data used. We simply know more about your property’s flood risk factors than any other insurance company in the market.
We combine our comprehensive data holdings with cutting edge modeling to price your policy appropriately and often saving our customers 20% or more. We leave you completely out of all this heavy lifting.
We’ll always give you three quote options making a recommendation on the best value for money, tailored to each property and risk profile.
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