Brightway Flood Insurance

Brightway Flood Insurance Review

Brightway Flood Insurance is an insurance carrier based in Jacksonville, FL. The company was founded in 2008 and offers flood insurance in 48 states (and Washington, DC). 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. 

Brightway Flood Insurance FAQ

What types of coverage does Brightway 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. Brightway 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.

• Liability Coverage: The personal liability coverage within your policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

• Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

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