Flood Insurance in Tampa

Tampa’s vulnerability to storm surge flooding from hurricanes and heavy rain exposes residential and commercial properties to risk. At Vilardi Financial Center (VFC), we offer Florida residents private flood insurance policies to help them recover. This cover protects property owners, renters and businesses against the financial strain of paying for flood damage out of pocket.

Coverage Options for Flood Insurance in Tampa, Florida

Work with us to enjoy peace of mind knowing your Tampa flood insurance policy covers:

Possessions: This product covers your furniture, appliances, clothes and other belongings against losses.
Property: Flood insurance can help you rebuild your home, store or residential complex.
Living costs: We’ll cover your living costs as you wait for repair completion.

The Difference Between Federal and Private Flood Insurance

The Federal Emergency Management Administration (FEMA) offers the National Flood Insurance Program (NFIP) to help beneficiaries recover faster. This federal policy differs from the products private companies provide in several ways:

Building coverage: The NFIP provides a maximum coverage of $250,000 for one- to four-person residential homes and $500,000 for residential buildings with five or more units. The limit for businesses is $500,000. Private companies are typically more flexible with their maximums and can double or exceed these numbers depending on the risk.
Scope of protection: Private flood insurance can also provide better coverage for detached structures. NFIP is specific to the building and can often leave little to no coverage for a garage or other detached structure.
Loss of use: Private companies generally cover extra living expenses, while the NFIP does not.
Contents protection: NFIP covers up to $100,000 for residential contents and $500,000 for businesses. Private companies could surpass these limits, offering more flexibility.

At VFC, we personalize our coverage to your needs so you can get the most value.

Is Flood Insurance Required in Tampa?

It depends. If you purchase a property in a high-risk flood zone and need a mortgage, the lender might require you to obtain insurance coverage. You may not be obligated to buy flood insurance if your property is in an area with moderate to low risk.

That said, it’s essential to consider protecting your property regardless of your flood zone due to these reasons:

Home insurance policies do not cover flood damage, which could leave you unprotected.
You’ll gain peace of mind knowing you can recover losses easily.
Paying for damage out of pocket is expensive.

Why Trust Us for Coverage?

Vilardi Financial Center is a family business that prioritizes customer satisfaction. We deliver flexible private flood insurance with more perks than the NFIP, including higher limits, broader coverage and a streamlined claims process.

Our licensed agents will meet your needs with tailored solutions. We can create protection strategies for your assets, explain policy details and offer ongoing support after the purchase. Besides embracing personalization, we also use a team-based approach through our strategic partners to deliver the best insurance solutions.

Partner With VFC for a Flood Insurance Policy in Florida

At VFC, we’re on a mission to meet your insurance needs and secure your assets. Our simple and personalized process streamlines insurance investment, letting you safeguard your property and belongings right away.