Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
A(Verified 04/18/2025)
Safe Point Review
Safe Point is an insurance carrier based in Tampa, FL. The company was founded in 2013 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.
Safe Point FAQ
What types of coverage does Safe Point 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. Safe Point 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.
- Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.
- 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.
Safe Point customers can also add the following riders or endorsements to their home insurance policies:
How can you save money on a Safe Point home insurance policy?
When you ask for a quote with Safe Point, make sure you ask for all the discounts you qualify for.
- Community Rating System: The National Flood Insurance Program's (NFIP) Community Rating System (CRS) is a voluntary incentive program that encourages community floodplain management activities that exceed the minimum NFIP requirements. Flood insurance premium rates of federal flood insurance policies are discounted to reflect the reduced flood risk resulting from the community actions.
- 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 Safe Point.
What additional benefits does Safe Point offer?
Safe Point offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
What is the financial strength rating of Safe Point?
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.
Safe Point scores an A or excellent, which is SuperMoney's second highest available score.
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Safe Point Community Reviews
Would you recommend Safe Point to your friends?
MG
Mark G.
Jun 2, 2023
May or may not recommend
After a hail storm I was informed that my screen room was not coverd. Almost every home in florida has a screen room of some sort. I am bothered by the fact that a Florida company 100% excludes this part of the house and I am dissapointed in my agent for not making this clear .
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