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Private Flood Insurance: Residential and Commercial

Surplus lines solutions for homes and businesses in flood-prone areas.
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Competitive Specialty Insurance Solutions for Residential and Commercial Flood Risks

Many property owners are seeking an alternative to the traditional National Flood Insurance Program that allows for customization, including broader coverage and higher limits. DeCotis Specialty Insurance helps agents secure Private Primary and Excess Flood policies from AM Best A-Rated markets that may provide flexible, cost-effective coverage for homes and businesses near rivers, lakes, coastlines, and other flood hazards.

Target Classes

FOR FLOOD RISK

We provide our agency partners with access to Private Flood Insurance options for various residential and commercial properties, including but not limited to:

  • 1-4 family homes
  • Rental dwellings
  • Individual apartments or condo units
  • Office buildings
  • Hotels and motels
  • Retail and wholesale operations
  • Self-storage facilities

Coverage Options

DeCotis offers reliable surplus lines solutions to help agents meet their clients’ residential and commercial flood requirements.

  • Building and Contents Coverage (Primary and Excess)
  • Appurtenant Structures
  • Loss of Use (primary occupancy)
  • Business Interruption
  • Debris Removal
  • Ordinance and Law Coverage
  • Increased Cost of Construction and Replacement Cost Coverage (for commercial properties)
  • Minimum Premium: $1,000 for residential properties and $2,500 for commercial properties

Product Highlights

To read more product highlights, please download and save the coverage sheet.

  • Limits up to $5 million per premises and up to $10 million per policy available
  • Annually- and seasonally-leased properties acceptable
  • Basement Coverage included under Building and Contents Coverage
  • 15-day waiting period can be waived for a new home purchase
Promotional flyer for Decotis Specialty Insurance’s private Flood Insurance, featuring a road partially flooded with orange traffic cones, company branding, coverage details, and contact information for three representatives.
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SUBMISSION REQUIREMENTS

Download the application that best suits your clients’ needs and provide three years of loss runs and any additional relevant information. Send the application to: Quotes@DeCotis.com.

A Commercial Flood Insurance application form featuring sections for applicant details, underwriting information, building specs, and construction safety checkboxes. DECOTIS Specialty Insurance logo appears at the top.
DOWNLOAD THE FLOOD—PRIMARY APPLICATION
A residential flood insurance questionnaire form with fields for applicant information, underwriting info on past flood losses, mitigation efforts, property vacancy, and building replacement cost values—ideal for homeowners insurance; blue highlights and checkboxes throughout.
DOWNLOAD THE FLOOD—RESIDENTIAL APPLICATION
An excess flood insurance application form with fields for applicant, property, mortgage, agency details, homeowners insurance information, and underwriting data such as occupancy, construction, elevation, replacement cost, and flood risk details.
DOWNLOAD THE FLOOD—EXCESS APPLICATION

Getting a Quote Is Simple

Select one of the following options to request a Private Flood quote for your clients:

Submit an Application
Contact an Underwriter

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your property clients may also require these products.

Condominium Association Insurance

Designed to protect the shared elements of residential and commercial condo properties—from lobbies to landscaping—against a variety of property damage and liability exposures.

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Commercial Property Insurance

Covers losses to owned or leased business property—including office space, tools and equipment, and inventory—resulting from fire, theft, vandalism, and other common threats.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Responsive Support from Experienced Underwriters
  • Customized Coverage Options Tailored to Both Residential and Commercial Properties
  • Access to AM Best A-Rated Carriers
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