PTI Flood Insurance:

Your Protection Against Flood Risks

PTI Flood Insurance for Florida

People’s Trust Insurance now offers PTI Flood Insurance, a direct flood insurance provider through the National Flood Insurance Program (NFIP)¹.

PTI Flood Insurance Logo in blue and grey

What is PTI Flood Insurance?

PTI Flood Insurance is a separate policy from homeowners, renters, or condo insurance designed for flood-related damages not covered by standard homeowner insurance policies. Click here to learn more about flood insurance.


If your property or personal belongings are damaged due to a flood event, having PTI Flood Insurance can speed up your recovery by making it less expensive and more manageable than paying out of pocket or getting loans. As an authorized carrier, PTI Flood Insurance provides low-cost, government-supported coverage you can count on in the event of a flood.

What does PTI Flood Insurance cover?

PTI Flood Insurance offers two types of coverage purchased together or separately:

  • Structural Damage Coverage: Including, but not limited to, electrical and plumbing systems, furnaces, water heaters, refrigerators, carpeting, and built-in appliances such as dishwashers.
  • Personal Belongings Coverage: Including, but not limited to, clothing, furniture, electronic equipment, and valuable items.

If you’re new to flood insurance and want a quote, click the button below to get started. If you have a PTI Flood Insurance policy, please review your policy details for complete coverage and exclusion information or contact your Agent with any questions.

What isn’t covered by PTI Flood Insurance?

PTI Flood Insurance typically includes a list of coverage exclusions. Please see below for examples of losses usually not covered by flood insurance:

  • Belongings outside the property’s structure, such as cars, fences, swimming pools, and septic systems
  • Temporary housing or financial losses from business interruption
  • Preventable damage caused by mold, mildew, or moisture

How Do I Get PTI Flood Insurance?

People’s Trust Insurance policyholders can quickly get PTI Flood Insurance through their Agent. Don’t have an Agent?  Call 561-417-1111 to get a quote.

PTI Flood Insurance – Frequently Asked Questions (FAQ)

What does PTI Flood Insurance cover?

PTI Flood Insurance provides two coverage options, Structural Damage Coverage and Personal Belongings Coverage, which you can purchase together or separately. Understanding your specific coverage details is key as PTI Flood Insurance policies may vary. Please contact an Agent for more information on what is and isn’t covered by PTI Flood Insurance, or click on the following link to view the NFIP’s Summaries of Coverage.

How much does PTI Flood Insurance cost?

PTI Flood Insurance cost depends on flood risk, coverage amount, deductible, and building age/type. Premiums will likely be higher for those living in high-risk flood zone areas. However, the cost is much less than paying for flood damage without insurance.

How can I determine my property's flood risk?

Our PTI Flood Insurance Agents can provide information about the flood risk specific to your property, or you can use FEMA’s Flood Map Service Center to determine the flood risk in different areas.

Do I need PTI Flood Insurance if I already have a homeowners insurance policy?

Yes, because homeowners insurance policies usually exclude coverage for flood damage. PTI Flood Insurance is a separate policy that protects your property and/or belongings from damage caused by flooding.

Do I need PTI Flood Insurance even if I don't live in a high-risk flood zone?

Flood insurance is always necessary because floods can occur regardless of whether you’re in a high or low-risk zone. Flooding is also a severe threat in Florida due to the state’s storm frequency and proximity to water, whether inland or on the coast. It’s also important to note that properties outside high-risk areas make up more than 40% of flood claims. (source: Click here to learn more about why Floridians should buy flood insurance.

Is PTI Flood Insurance only for homeowners, or can renters get coverage too?

PTI Flood Insurance is available to both homeowners and renters. We encourage renters to purchase coverage for their personal belongings since the property owner’s insurance typically covers only the structure, not the renter’s possessions.

Do I need a homeowners insurance policy with People’s Trust Insurance to get PTI Flood Insurance?

No, you do not need a homeowners insurance policy with People’s Trust Insurance to get PTI Flood Insurance. Click here to get a flood insurance quote from one of our Agents.

Can I buy PTI Flood Insurance anytime, or is there a waiting period?

Yes, you can buy PTI Flood Insurance anytime. Note that there is typically a 30-day waiting period from when you purchase a PTI Flood Insurance policy to when it takes effect. Planning and not waiting until a major storm to buy flood insurance is crucial.

Does PTI Flood Insurance cover basement flooding?

PTI Flood Insurance can cover basement flooding, protecting the structural components and your possessions. However, it’s worth noting that certain items, such as finished walls and floors, may have restricted coverage. Reviewing your PTI Flood Insurance policy options with an Agent is essential to understand the extent of basement protection and detailed coverage exclusions.

Do I need PTI Flood Insurance even if I don't live close to a body of water?

Yes, because even if you don’t live near a body of water, heavy rain, storms, and storm surges can still cause flooding. You can check your flood risk using FEMA’s Flood Map Service Center or by contacting a PTI Flood Insurance Agent for the flood risk specific to your property.

Is federal disaster assistance enough to cover flood damage?

Federal disaster assistance is not a reliable source for flood damage coverage, may not cover all losses, and is often in the form of loans that require repayment. Usually, the President declares a national disaster to make federal help available, but only some flood events get this declaration. PTI Flood Insurance offers a more dependable and immediate solution for financial assistance from flood damage.

Additional Resources:

  1. Federal Emergency Management Agency’s (FEMA) Flood Insurance website at
  2. Flood facts source:
  3. Contact your PTI Flood Insurance Agent

¹The National Flood Insurance Program (NFIP) is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). NFIP flood policies are underwritten by the federal government and sold and administered by private insurance companies like People’s Trust Insurance through the Write Your Own (WYO) Program.