Flood insurance for more than the flood zone
With the storms that keep pounding our shores, flood protection isn't optional — and standard home policies don't include it. We write NFIP and private flood coverage across the First Coast.
What's covered
What flood coverage protects
Building coverage
Foundation, systems, appliances, and attached structures.
Contents coverage
Furniture, electronics, clothing, and belongings.
Basement systems
Water heaters, HVAC, and electrical — even below grade.
Debris removal
Cleanup costs after the water recedes.
NFIP or private we shop both
We compare federal program coverage against private flood markets.
Excess flood add-on
Limits above NFIP caps for higher-value homes.
Is this you?
Who should carry flood coverage?
Homeowners outside high-risk zones
More than a quarter of flood claims come from lower-risk zones — where coverage is cheapest.
Waterfront & low-lying homes
Intracoastal, riverfront, and near-beach properties where surge and rain both matter.
Recent buyers
Lenders require it in mapped zones — but the smart move is pricing it before you're told to.
Anyone who watched a storm stall
Florida rain doesn't read flood maps. Neither should your protection.
The Tidal Shield difference
A boutique agency in your corner
Nearly 20 years on the coast
Licensed since 2006 and writing coastal property coverage ever since — we know storm season because we live it.
Never answered by a robot
Call the office and a licensed person picks up — the same people who write and service your policy.
Carriers that compete for you
Independent means options. We quote multiple carriers and bundle home, auto, and flood where it saves you money.
High-value home specialists
Access to carriers built for the high-value and high-net-worth market, with limits standard policies can't reach.
Client reviews
The family of agencies, in clients' words
Tidal Shield is the newest member of the family. These are real, unedited Google reviews of our founding sister agency, Coastal Shield Insurance — written about the same people now serving the First Coast.
“I've dealt with hundreds of customer service reps over the decades and I can say without reservation that Anna is in the Top 1% of service. She exudes warmth and competence.”
Neil Cotiaux
“Absolutely thrilled with the service Anna provided for both our car and homeowners insurance. She went above and beyond for us and our savings was remarkable!”
Dawn DiBrino
“The best customer service! Day or night, weekday or weekend, you can count on this team! Very dependable and pleasant staff!”
Renee Turano
Get started
Let's find the right coverage
Tell us a little about what you need to protect. We shop multiple carriers, come back with plain-English options, and never hand you off to a call center.
Request a free quote
It takes about a minute — or import your current policy with Canopy Connect from the Contact page.
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