Flood Insurance

Now, property owners in lower-risk flood zones can opt for private flood insurance with higher coverage limits at affordable rates. This coverage may be an attractive option for:

  • Property owners who may have declined coverage issued by the National Flood Insurance Program (NFIP) because of high premiums and complex underwriting guidelines
  • Insureds with a Preferred Risk Policy (PRP) who have chosen not to renew coverage but want to continue their flood protection without exposure to federal surcharges and premium increases
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Is EZ Flood Preferred coverage an option for you?

  • Coverage in lower-risk flood zones*
  • Cost effective alternative to NFIP (Preferred Risk Policy (PRP)
  • Customized coverage limits and deductible options
  • Replacement cost value for all claims, including contents
  • Save an average of 40% vs. NFIP
  • Available in all states except AK, DC and KY
  • Up to $300,00 building and $100,000 contents coverage
Flood Insurance Coverage Comparison
EZ Flood Preferred NFIP PRP
Max. Building Limit $300,000 $250,000
Max. Personal Property Limit $100,000 $100,000
Claims Settlement Replacement Cost Value (RCV) Replacement Cost Value for principal residences and Actual Cost Value for secondary residences


As a property owner, exploring your flood insurance options enables you to make informed decisions in protecting what matters most-your home, finances and valued possessions.

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Atlanta Life General Agency, Inc. is a wholly-owned subsidiary of Atlanta Life Insurance Company and is an agency licensed to sell Life, Health, Property, and Casualty for both Personal and Commercial Lines of insurance.