Excess Flood

Flood-related losses might exceed the coverage provided by a typical flood insurance policy. If the projected rebuilding expenses surpass the policy's limits, obtaining an Excess Flood Insurance policy is crucial to ensure sufficient funds are accessible for the restoration of your home or business.
Picture of Angel Vega - Personal Lines Underwriter

Angel Vega

Personal Lines Underwriter


Program Highlights

Limit Available Up to $15,000,000 per Occurrence, per Risk

Residential dwellings (1-4 family), Apartments, Multi-Family, Condominiums, Commercial properties. eligible

Available Coverages Inlcude: Real Property, Contents, and Loss of Income

Minimum Earned Premium For Residential Dwellings: $500 or 50% of Gross Written Premium

For Apartments, Condos, Commercial Properties: $1000 or 50% of Gross written premium


  • Properties Built on stilts over water
  • Mobile, Manufactured, and prefabricated buildings
  • Soft costs in respect of construction risks
  • Medical Equipment
  • Food stuffs and Perishable goods
  • Contents not covered under an NFIP Policy located in basements
  • Coast Barrier Resource Act (CBRA Zones) or Non-NFIP Participating Communities

For more information regarding this program and/or other available markets, please contact Angel Vega at avega@jkrar.com. Please direct all submissions to emailrec@jkrar.com.

Joseph Krar & Associates, Inc.

Direct (860) 628-3967 | Fax (860) 628-3969 | Toll Free (800) 886-5050 | P. O. Box 580, 1676 West St. Southington, CT 06489

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