FLOOD INSURANCE · GEORGIA

Georgia flood insurance, NFIP and private market compared.

Flood is the most commonly excluded coverage in Georgia and the most commonly underbought. We write both NFIP and private flood, compare them on price and coverage, and place the one that actually fits the property. Low-risk zones often price well in the private market.

Free Coverage Review

WHAT'S COVERED

What a Georgia flood policy covers

Building Property

Covers the structure itself. NFIP caps building at $250k. Private flood can go higher to match actual replacement cost.

Personal Property

Covers contents. NFIP caps contents at $100k. Private flood can carry higher limits and include items NFIP excludes.

Loss of Use (Private)

NFIP does not cover additional living expenses. Private flood often pays for hotel and alternative housing during repairs.

Replacement Cost (Private)

Private flood often pays current replacement cost on contents. NFIP pays actual cash value, leaving a gap on older items.

Building Property

Covers the structure itself. NFIP caps building at $250k. Private flood can go higher to match actual replacement cost.

Personal Property

Covers contents. NFIP caps contents at $100k. Private flood can carry higher limits and include items NFIP excludes.

Loss of Use (Private)

NFIP does not cover additional living expenses. Private flood often pays for hotel and alternative housing during repairs.

Replacement Cost (Private)

Private flood often pays current replacement cost on contents. NFIP pays actual cash value, leaving a gap on older items.

IMPORTANT LIMITATIONS

What flood insurance does not cover

Water from inside the home

Burst pipes, sewer backup from a household failure, and appliance leaks are homeowners or endorsement coverage, not flood. Flood means surface water rising from outside.

Mold after the fact

NFIP and most private flood policies limit or exclude mold damage that develops after the flood event. Fast remediation matters for the claim.

Detached structures (NFIP)

NFIP requires a separate flood policy for detached garages and outbuildings above the main policy. Private flood can often include them.

Business and income loss

Lost rents, business income, and commercial property under a personal flood policy are excluded. Rental property needs a landlord flood policy, and a home business needs a commercial flood policy.

IMPORTANT LIMITATIONS

What flood insurance does not cover

Water from inside the home

Burst pipes, sewer backup from a household failure, and appliance leaks are homeowners or endorsement coverage, not flood. Flood means surface water rising from outside.

Mold after the fact

NFIP and most private flood policies limit or exclude mold damage that develops after the flood event. Fast remediation matters for the claim.

Detached structures (NFIP)

NFIP requires a separate flood policy for detached garages and outbuildings above the main policy. Private flood can often include them.

Business and income loss

Lost rents, business income, and commercial property under a personal flood policy are excluded. Rental property needs a landlord flood policy, and a home business needs a commercial flood policy.

Georgia flood insurance, NFIP and private market compared.

What a Georgia flood policy covers

Building Property

Personal Property

Loss of Use (Private)

Replacement Cost (Private)

Building Property

Personal Property

Loss of Use (Private)

Replacement Cost (Private)

What flood insurance does not cover

Water from inside the home

Mold after the fact

Detached structures (NFIP)

Business and income loss

What flood insurance does not cover

Water from inside the home

Mold after the fact

Detached structures (NFIP)

Business and income loss

Carriers We Use for This Coverage

Selective

Common questions

What does a free coverage review actually involve?

Is Olive Cover going to try to sell me something?

My renewal went up. Should I shop around?

What is the difference between my insurance carrier and my insurance agent?

Send us your address. We will pull the flood zone and quote both markets.

Olive Cover