Why purchase flood insurance?

Damage due to rising water is traditionally not covered by a standard homeowners policy. Homeowners Choice is here to help you with two coverage options! We can provide flood coverage by endorsement to existing homeowners policies, or through a stand-alone policy. Both of our coverage options help to protect your home and personal belongings from flood.

When to purchase flood Insurance?

Flood coverage with Homeowners Choice is available as soon as a new policy is issued, or at the renewal of your current National Flood Insurance Program “NFIP” policy.

What coverage limits are available?

Homeowners Choice stand-alone flood policies offer building and personal property limits which exceed those of the NFIP. Coverage is available for homeowners located in all flood zones.

Why consider flood coverage with Homeowners Choice?

Replacement Cost

The cost to replace damaged property with materials of like kind and quality, without deduction for depreciation.

Actual Cash Value

The cost to replace an insured item of property at the time of loss, less the value of its physical depreciation.

How do I get started?

Call us at 844-HCFLOOD or (844) 423-5663. You can also contact your local agent to ask them how you can get flood coverage through Homeowners Choice.

Important Notice - The NFIP will no longer refund premiums for duplicate coverage

What does this mean? If your flood insurance is paid through a mortgage escrow account and your mortgage company pays the premium to NFIP instead of Homeowners Choice, NFIP will not cancel their policy and refund the premium. At that point, you will be forced to accept the higher NFIP premium.

Stand-Alone Flood Coverage Quoting

  • (If you are unsure of your current flood zone, Click here to help determine your flood zone)

Flood Coverage Information
Assumption Questions?

Phone: (888) 210-5235
Fax:     (727) 499-9873
E-Mail: customerservice@hcpci.com

Contact Us

Homeowners Choice Property & Casualty Insurance Company, Inc.
5300 W Cypress St., #100
Tampa, FL 33607

Phone: (888) 210-5235 (Toll Free)
            (844) 530-4099 (Toll Free)
            (813) 405-3600 (Local)

Fax:     (727) 499-6791
E-Mail: contactus@hcpci.com

            PO Box 23177
            Tampa, FL 33623

Claims Correspondence:
            PO Box 22967
            Tampa, FL 33622

Claims Notification
Fax:     (813) 443-0830
Claims General
Fax:     (813) 865-0173

Report Insurance Fraud