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Last Updated: 04/18/2025

American Capital Flood Insurance

in Flood Insurance from American Capital Assurance Corporation

Last Updated: 04/18/2025

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Financial Strength Rating

A-(Verified 04/18/2025)
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American Capital Flood Insurance Review

American Capital Flood Insurance is an insurance carrier based in St Petersburg, FL. The company was founded in 2006 and offers flood insurance in 4 states in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage.

American Capital Flood Insurance FAQ

What types of coverage does American Capital Flood Insurance offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. American Capital Flood Insurance only offers federal flood insurance policies..
NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.
American Capital Flood Insurance customers can also add the following riders or endorsements to their home insurance policies:

How can you save money on a American Capital Flood Insurance home insurance policy?

When you ask for a quote with American Capital Flood Insurance, make sure you ask for all the discounts you qualify for.
  • Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
  • Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with American Capital Flood Insurance.

What additional benefits does American Capital Flood Insurance offer?

American Capital Flood Insurance offers the following benefits to its customers:
  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

What is the financial strength rating of American Capital Flood Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
American Capital Flood Insurance scores an A-. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

55 1st Street S
St Petersburg, FL 33701
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed

Other Services by American Capital Assurance Corporation

SuperMoney Net Recommendation Score

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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

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