LinesFlood
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Homeowners | Flood | Most states | NFIP policies in all flood zones and for all building types, including basements, enclosures, slab and crawlspace: residential building up to $250K and contents up to $100K. Wright Excess sits on top of the NFIP with building up to $1.75M and contents up to $100K, in 41 states, subject to underwriting guidelines (Wright Flood Property Owners page and homepage, Oct 2026). |
| Homeowners | Flood | AL, CA, CT, FL, GA, HI, LA, MD, MA, MI, MS, NJ, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA | FocusFlood (Lloyd's of London) private primary residential flood: dwelling up to $5M and contents up to $250K, one deductible for both, 7-day waiting period for non-loan closings (Wright Flood: FocusFlood now available in 22 states, July 2026). |
| Homeowners | Flood | CA, FL, GA, LA, MI, NJ, NY, NC, OR, SC, TX, VA | Berkshire Hathaway Specialty private flood for single-family homes and residential multi-family dwellings up to four units: dwelling up to $2M and contents up to $250K, single deductible, no distance-to-coast restrictions, automatic replacement cost on dwelling and personal property, 7-day waiting period for non-loan closings. Optional basement contents, pool and loss of use. WA, PA and MD listed as coming in 2026 (Wright Flood: BHSI private flood announcement, July 2026). |
| Condo | Flood | Most states | NFIP coverage for condo unit owners (residential contents up to $100K) and a Residential Condominium Building Association Policy for condo buildings, available in all 50 states in NFIP-participating communities (Wright Flood Property Owners page, Oct 2026). |
| Renters | Flood | Most states | NFIP contents-only coverage for renters, up to $100K of residential personal property, in all flood zones (Wright Flood Property Owners page, Oct 2026). |
How to quote Wright Flood
→Carrier portal. Quote directly in the Wright Flood agent portal.
Getting appointed
Agencies start the appointment process through the Represent Wright Flood link on Wright's Agents and Brokers page. Each appointed agency gets an assigned underwriting service team, training and flood CE.
Sources
- Wright Flood: Homepage product lineup (BHSI, Chubb, FocusFlood, Hiscox, Wright Excess, Brokerage)
- Wright Flood: Property Owners (NFIP limits, Wright Excess, condo and commercial)
- Wright Flood: Agents and Brokers
- Wright Flood: FocusFlood now available in 22 states (July 2026)
- Wright Flood: Wright Flood offering BHSI private flood (2026)