COASTAL & RECREATIONAL · THE BOWERS AGENCY
Purpose-built for coastal and low-lying risk.
Flood damage isn’t covered by a standard homeowners policy — in Florida and Georgia, that’s a real gap.
WHAT’S COVERED
Flood Insurance at a glance.
We compare top carriers to build a policy that covers what matters — not just the minimum required.
NFIP (National Flood Insurance Program) coverage options
Private flood carrier alternatives
Coverage mapped to your specific flood zone
Structure and contents coverage
Guidance on flood zone determination
Coordination with mortgage lender flood requirements
KNOW BEFORE YOU BUY
What Florida & Georgia clients need to know.
Standard homeowners insurance excludes flood damage entirely. Between NFIP and a growing private flood market, we compare both to find the better fit for your zone and budget.
WHO IT’S FOR
Is this coverage right for you?
Any homeowner in a flood-prone or coastal area of Florida or Georgia — even outside a mandatory flood zone.
RELATED COVERAGE
Often paired with flood insurance.
Personal
Home Insurance
Rebuilding cost, wind and liability protection for your Northeast Florida home.
PersonalHome InsuranceRebuilding cost, wind and liability protection for your Northeast Florida home.Learn more →
Coastal & Recreational
Boat Insurance
Hull, liability, and towing coverage for time on the water.
Coastal & RecreationalBoat InsuranceHull, liability, and towing coverage for time on the water.Learn more →
Business
Business Insurance
Liability, property, and equipment coverage sized to how you actually operate.
BusinessBusiness InsuranceLiability, property, and equipment coverage sized to how you actually operate.Learn more →
Get your flood insurance quote today.
Tell us a little about what you need. A local advisor will reach out — usually the same day — with options built around you.