Florida Private Flood Insurance

Flood Insurance as Low as $150 per Year

In 2014 the State of Florida passed a law allowing Homeowners to purchase Private Flood Insurance, providing an additional choice which previously only one choice was available, National Flood Insurance Program enacted in 1968 by the United States Congress.

Losses due to Flooding ARE NOT covered by most Homeowners or business policies. DeFrain Insurance Inc. not only offers FEMA, NFIP flood insurance, we also represent several companies that offer Private Flood Insurance. Private Flood Insurance can be substantially less expensive than FEMA programs. Floods are the #1 Natural Disaster in The United States. From 2010 to 2014, the national average flood claim amounted to nearly $42,000. Florida had 2,655 Flood Claims in 2014 for a total of $117,861,100. Your Home has a 26% chance of being damaged by a flood during the course of a 30 Year Mortgage vs. only a 9% chance of Fire Damage during the same period. A consumer might want to consider purchasing a Preferred Risk flood policy if your home is located in a low to moderate risk area, Preferred Risk Policies can be as low as $150 per year. 

Florida Renters Insurance

Insuring Personal Property When You Rent

Ask us how you can protect your personal property when you rent a dwelling to reside in.  It's very inexpensive to insure your property, make sure your personal effects are covered in the event of fire or theft.

Call Us To Find Out How:


Florida Homeowners insurance

Covering Your Home From Multiple Catastrophes

DeFrain Insurance offers you several companies that can protect your House from multiple perils including; Lightning, Fire, Hurricane, Vandalism, Theft & Water Back-up. Our Priority is to make sure your Family & Home are protected when a catastrophe strikes. We can provide you with ample extended coverage's in addition to standard homeowners policy. An Extended coverage may include; Jewelery & Furs, Animal/Pet Liability, Screen Enclosures, Solar Panels, Structures Rented to Others, Antiques, Kitchenware, Cash & Credit Cards and increased coverage for Fungi and Dry Bacteria.

With Our areas of expertise we can direct you to multiple discounts that may be offered by Florida Insurance Companies based on the shape & structural indications of your roof, your homes wall construction type and impact resistant coverings. Sink Hole coverage is also available through most of our carriers for an additional fee & inspection costs.