Our private residential RCBAP product was strategically engineered to provide higher coverage, stronger competitive advantages and a better customer experience than other flood insurance products on the market. The result includes:

  • ~25% savings when compared to NFIP
  • Damage to common areas due to riots covered to a maximum of $5,000
  • Up to replacement cost or the total number of units x $300,000 (whichever is less)
  • Easy quoting and binding processing
  • Actual cash value of commonly owned contents to a maximum of $150,000
  • Customization's available on a case-by-case basis

Eligibility Criteria

  • Post-FIRM and Pre-FIRM construction buildings in eligible NFIP communities within flood zones A1-A30, AE, A, AH, and AO are eligible for PRCBAP.
  • B,C, X, D (non-SFHA) flood zone buildings maybe eligible for PRCBAP on a case by case basis.
  • Building with elevation difference (difference between lowest floor elevation and base flood elevation) greater than or equal to -1 are eligible for PRCBAP.
  • Buildings located in areas defined within the Coastal Barrier Resource Act are not eligible for PRCBAP.
  • Buildings partially or fully over water, buildings not walled and roofed or under construction are not eligible PRCBAP.
  • Severe Repetitive loss (SRL) properties as defined by FEMA are not eligible for PRCBAP.
  • Buildings with two or more flood related claims are not eligible for PRCBAP.
  • Buildings located on Islands/Barrier Islands not accepted in the program
  • Buildings located less than 0.5 miles from the coastline unlikely to be accepted for PRCBAP.
  • Buildings located between 0.5 miles to 1 miles from the coastline somewhat likely to be accepted for PRCBAP.
  • Buildings located more than a mile from a coastline likely to be accepted for PRCBAP unless influenced by other flooding sources such as Lakes or Rivers.