Why do we use Selective Insurance for Georgia flood coverage?

Selective Insurance is rated A Excellent and writes primarily through independent agents. In Georgia, we use Selective primarily for flood insurance through their private flood program, which competes against NFIP on preferred-risk Zone X and AE properties. Selective private flood often beats NFIP on price for properties that score favorably on their risk model, and offers higher limits and additional living expense coverage that NFIP does not provide. For Georgia clients who need flood insurance beyond NFIP, Selective is our primary market.