Coverage for when water finds its way in
When rising water reaches your door, standard home insurance isn’t enough — flood coverage steps in to protect your home and everything inside, backed by a team that knows you.
Coverage for when water finds its way in
When rising water reaches your door, standard home insurance isn’t enough — flood coverage steps in to protect your home and everything inside, backed by a team that knows you.
Overview
Why Flood Insurance?
Here’s what most homeowners don’t realize until it’s too late: flood damage is almost always excluded from standard homeowners, condo, and renters policies. That means a single storm, overflowing creek, or backed-up storm drain could leave you covering thousands in repairs out of pocket — which is exactly why a separate flood policy is essential, not optional. And it isn’t only for high-risk zones; even low-to-moderate risk areas flood every year.
As part of the Lennar Insurance Agency family, we help you find the right flood protection — so you get coverage that truly fits your home. And if water ever does find its way in, you’ll have a real, licensed person who knows you, ready to help.
Coverage
What's Covered
Flood insurance is built to handle the unique damage rising water causes, with protection for both your home’s structure and the life you’ve built inside it. Here’s what a typical policy can include.
Home
Protection for your home and its foundation, electrical and plumbing systems, air conditioning, furnaces and water heaters, and built-in appliances when they’re damaged by flooding.
Personal Property
Protection for clothing, furniture, electronics, window coverings, portable appliances, and carpeting not covered by your building policy, and up to $2,500 in valuables such as art and jewelry.
What Counts as a Flood?
Not all water damage is a flood. The National Flood Insurance Program (NFIP) uses a specific legal definition to determine whether your claim qualifies for flood coverage.
A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's) from overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters, mudflow, or collapse of land along the shore of a lake or similar body of water as a result of erosion.
Why Choose Lennar Insurance Agency?
Top-Rated Carriers
We shop your coverage across the most respected insurers in the country, so you get strong protection and a competitive rate — without doing the legwork yourself.
Personal Touch
You’re not a policy number. Our licensed specialists get to know your situation and recommend coverage that fits your life — and they’re a phone call away when things change.
Simple Claims Process
When something happens, we’re in your corner. We will guide you through every step — from filing to resolution.
Round Out Your Coverage
Homeowners Insurance
Protect your home and everything in it.
Earthquake Insurance
Protection for when the ground shifts.
Condo Insurance
Coverage tailored to condo living.
Coverage Built Around Real Life
Get the right protection for your Lennar home — fast, simple, and tailored to you.
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