FloodSimple Insurance Services Review 2024

FloodSimple offers affordable flood insurance and instant online quotes.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


Trusted Choice's FloodSimple Insurance Services Score

4 Stars

TrustedChoice.com awards FloodSimple Insurance Services a final rating of 4 out of 5 stars. We love that the agency offers fast, affordable coverage for those in need. A major benefit of securing flood insurance through FloodSimple is that the agency can request higher coverage limits than those typically offered by the National Flood Insurance Program. 

FloodSimple promises to deliver online quotes in less than two minutes. The insurance agency also states that claims and other customer service emails receive a response within the hour. Overall, we recommend looking into FloodSimple with the help of your independent insurance agent if you're in need of flood insurance.

FloodSimple Insurance Services Pros and Cons:

Pros: Cons:
Coverage available for residential and commercial properties
Not a BBB-accredited business
Rated "A+" by the Better Business Bureau
Not rated by AM Best
Instant online quotes 
No social media presence
Offers low-cost coverage
Can request higher coverage limits
Positive customer feedback

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

FloodSimple Insurance Products by Type

FloodSimple is a specialized insurance agency that focuses on affordable flood insurance. 

If you're in need of flood insurance for your home or business, you can find fast and affordable coverage through FloodSimple.

FloodSimple Flood Insurance

FloodSimple's flood insurance is designed to cover several types of flooding hazards. These include:

  • The overflow of tidal or inland waters
  • Runoff or rapid and unusual accumulation of any surface waters
  • Mudslides or mudflows caused by flooding
  • Land collapses resulting from erosion that results in flooding

FloodSimple states that customers are usually limited to $250,000 in coverage for a residential property and $500,000 for a commercial property by the National Flood Insurance Program. However, FloodSimple has the ability to request higher coverage limits for customers from its underwriters on a case-by-case basis.

What Discounts Does FloodSimple Offer?

FloodSimple does not make information about its discounts readily available. An independent insurance agent can provide better discount information and premium quotes for coverage through FloodSimple. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

FloodSimple Insurance Customer Service

FloodSimple allows customers to contact them via the following mediums:

  • Phone 
  • Email
  • Fax
  • Snail mail
  • Online bill pay

Days Hours (EST)

Monday - Sunday 11 am - 7 pm

To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you, so you can relax and enjoy your coverage. 


Connect with a FloodSimple Insurance Agent Today.

Shopping for insurance? FloodSimple Insurance has you covered.

FloodSimple Insurance FAQs

FloodSimple states its claims reps respond to emails within an hour and that all phone calls are answered by live reps. The carrier allows customers to contact it via phone, email, fax, or snail mail.

FloodSimple states its business hours are 11 am to 7 pm (EST), daily. The carrier allows customers to contact them via several mediums.

FloodSimple does not outline its claims process on its official website, beyond how to file. An independent insurance agent can help file flood insurance claims directly through the carrier for you.

FloodSimple's official website is easy to navigate and the carrier allows customers to get in touch via phone, fax, email, or snail mail. Online bill pay is available by request. However, FloodSimple lacks a bit in the user-friendliness department due to its absence of a social media presence. The carrier has a Facebook page; however, it has not been updated in several years.

FloodSimple has many positive customer reviews and offers low-cost flood insurance and fast online quotes. The agency also has an "A+" rating by the Better Business Bureau. For those in need of quick, affordable flood insurance, FloodSimple can be considered a good insurance company.

Customers looking for affordable flood insurance and fast coverage may greatly benefit from FloodSimple's insurance services. Those looking for online quotes in under two minutes will likely enjoy FloodSimple's prompt quote delivery.

FloodSimple does not provide average flood insurance rates online because pricing varies so much by customer location, the specific flood zone, and the type of property insured. However, you can request a quote through the official website and have an estimate within minutes.

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