The insurance industry’s definition of flood, and the related events that are typically excluded from homeowners’ policies, are much broader than you may realize. Unfortunately, this is often something that is not learned until a claim is denied.

Before you can obtain excess flood insurance, you need primary flood coverage. In most states, this baseline protection can be added to an AIG Private Client Group's homeowners' policy. If that’s not feasible where you reside, similar protection is offered through the National Flood Insurance Program.

Obtaining primary flood insurance is the first step toward proper protection, but its coverage limits ($250,000 for the home structure; $100,000 for contents inside it) may leave you with substantial out-of-pocket expenses in the event of major damage. An excess flood policy will extend your coverage seamlessly.

AIG Private Client Group excess flood insurance responds after primary flood coverage limits have been exceeded.

• Coverage is available to policyholders in all designated flood zones in all states.
  
• You can choose the amount of protection you desire — up to the full replacement cost of your home.
  
• Traditionally, excess flood insurance was only offered through “excess and surplus” carriers (typically higher premiums and less responsive claims handling). Our policy is an "admitted product" and is priced competitively.
  
• In the event of a claim, you’ll be taken care of by our Concierge-level Claims Service^®.

Having the right insurance coverage in place is crucial, but you can bolster your protection in stormy weather with a little advance planning.

Here are a few guides you can refer to:

Preventing Frozen Pipes

Hurricane Preparedness Checklist

Bolster Your Defenses Against Mudslides