How to Get an Excess Flood Insurance Quote

Getting a quote for excess flood insurance is more straightforward than most people expect — but a few pieces of information make the difference between a rough estimate and an accurate one. Here's what to have ready and what happens after you request a quote.

Information You'll Need

Before you request a quote, gather:

• Property address — used to check flood zone, CBRS status, and base flood elevation
• Current primary flood policy details — carrier, coverage limits, and whether it's NFIP or private
• Estimated rebuild cost — from an appraisal, contractor estimate, or your homeowners dwelling coverage amount
• Elevation certificate, if you have one — not always required, but it can affect pricing. Sterling does not require one
• Desired excess coverage amount — or let your agent calculate the gap between rebuild cost and your primary limit

What Affects Your Excess Flood Insurance Price

Several factors move the quote up or down:

• Flood zone designation — higher-risk zones (like Zone AE or VE) generally cost more than moderate-risk zones
• CBRS status — properties in Coastal Barrier Resources System zones have different underwriting considerations since NFIP isn't available as a primary option
• Elevation of the structure relative to base flood elevation
• Construction type and age of the structure

The Quote Process, Step by Step

1. Submit property and coverage details — either through an online quote form or directly with an agent
2. Underwriting review — the carrier checks flood zone, CBRS status, and any required documentation
3. Quote delivery — you receive a proposed premium and coverage limit options
4. Bind coverage — once you accept, coverage is issued, subject to any applicable waiting period, and payment

Questions to Ask Before You Buy

• Does this excess policy require a specific primary policy limit to attach on top of?
• What's the deductible structure, and is it separate from my primary policy's deductible?
• Is there a waiting period before coverage takes effect?
• What documentation will I need if I ever file a claim?

Working With an Agent vs. Quoting Directly

If you already have an insurance agent, they can usually request an excess flood quote on your behalf and handle the paperwork. If you don't have an agent, Sterling Flood can connect you with one in your area.

Frequently Asked Questions

How long does it take to get an excess flood insurance quote?

Same day

Do I need to already have NFIP coverage to get an excess quote?

No — excess coverage can sit on top of either an NFIP policy or a private primary flood policy.

Is a home inspection required?

No – Sterling does not require an inspection

Get a Quote

Ready to see what excess flood coverage would cost for your property? Request a quote from Sterling Flood or connect with a local agent to get started.