Should you buy flood insurance online?

It's a question we get often. Covid 19 has changed a lot of this where everyone is shifting online.



However as the purchasing of insurance online has increased over the years it seems insurance coverage advising has taken a major hit.

One of the great benefits of walking into an insurance office was that you could have a professional agent advise you on the right coverages.

Lately it feels like insurance has become the next drive thru purchase for consumers.

People are concerned with how fast they can get it 

Can we advise customers online without a physical interaction?

Yes video is one form that is helping to change the purchase of insurance online. Using video through the purchase price does a couple of things.

  1. Personal connection
  2. Coverage recommendation

The development of video has done wonders for us. Whether someone is 2 miles away or 2000 miles away it has helped us develop a deeper relationship with prospects and customers.

Video has also allowed us to show prospects examples of when they may use or need a certain flood insurance coverage.

Can you imagine going online to purchase something with no advisement?

If you didn't know exactly what you were looking for you might pick the wrong thing.

We talk to flood insurance policy holders everyday who have done this. In fact many times they don't know if they have a National Flood Insurance Program policy or a private flood insurance policy.

Want to know the difference click here.

Buying flood insurance online doesn't have to be a bad thing. It just needs to be an advisement experience.

What do mean by that?

We mean that someone needs to help navigate you through the process of coverage selection and policy selection.

Let's look at coverage selection first. When someone comes to us after purchasing flood insurance online the first thing we look at is replacement cost of property.


The majority of the time they are underinsured for about 30-40%

Getting only 60-70% of your home rebuilt would do you much good. It would probably look like the picture below.

Now let's look at policy selection. When consumers are faced with the choice to choose between private flood insurance and the National Flood Insurance Program price is usually the driving factor.

However many times they are not shown the long term stability of those rates over a 5 year period. While the National Flood Insurance Program might have a higher rate they may have had more stable rates over a 5 year period.

As you see buying flood insurance online can be scary but it doesn't have to be. If you want to actually speak with someone or even get a video proposal on your flood insurance then click here.

Remember we have an educational background in flood mitigation. This means we are here to help you understand your flood insurance, flood risks, and mitigating your property long term.

If you want to learn more about flood insurance you can also check out our YouTube channel where we do daily flood education videos.

Contact Us


Chris Greene


Chris Greene

President of The Flood Insurance Guru
M.S. in Emergency Management with a focus in Flood Mitigation


See all