Quote Flood Instantly on Amwins IQ®
Amwins IQ is our online marketplace that lets you quickly quote, compare and bind Personal Lines coverages from up to 5 markets with a single application. With a seamless user experience that’s backed by support from our expert underwriters, we'll help you find you a solution every time.
In today’s competitive insurance market, speed and accuracy matter. With Amwins IQ, you'll leverage our Flood expertise and market access to get instant access to top-tier coverage options. Here's what we offer:
- Private primary flood offering for residential risks
- NFIP equivalent and higher limits available
- 7-day waiting period (can be waived)
- Instant quotes available for up to $3M TIV (up to $5M can be referred to an underwriter)
- Instant quotes unavailable in AK, HI, IL, KY, and NY
Frequently Asked Questions
Does Amwins IQ have any flood zone restrictions?
No, you can quote any flood zone within Amwins InstantQuote by completing the online quote application.
How do Amwins Flood policies differ from the NFIP/FEMA policy?
Coverage will always be just as broad as the NFIP coverage, though many of our markets offer even BROADER coverage than the NFIP. Check out the coverage comparison sheet.
How far in advance can I quote?
You can quote up to 30 days in advance of the expected policy effective date.
What are the eligibility requirements for Amwins IQ Flood?
States Available: Click here to see state availability
Eligible Properties: One-to-four-unit residential structures.
Ineligible Properties:
- Properties with more than one flood loss in the past 10 years.
- Properties with unrepaired flood damage.
- Properties designated by FEMA as Severe Repetitive Loss properties.
- Properties in violation of State or local floodplain management regulations (Section 1316).
Note: Ineligible properties can be considered on a case-by-case basis via submission to FloodReferral@amwins.com.
How do I access Amwins IQ Flood?
If you have an account, navigate to personal-lines.amwins.com, we recommend using Microsoft Single Sign On (SSO).
If you do not have an account, you can create one.
Video: Login instructions
What are the maximum coverage limits of an Amwins Flood policy?
Instant quotes are provided for up to $3M and submissions up to $5M can be referred to an underwriter.
Coverage limits vary by market and policy type. For more information, refer to the coverage comparison sheet.
What is the waiting period for an Amwins Flood policy?
Loan Closing: 0-day wait if insurance is required as part of a loan by a federally regulated mortgage company or licensed mortgage broker. Evidence of closing and lender’s purchase requirement must be provided if a loss occurs within the first 30 days.
Policy Renewal: 0-day wait if replacing an existing flood policy at renewal. The new policy becomes effective on the expiration date of the existing policy, provided the bind request, state packet, and full premium payment are received prior to expiration.
Other Reasons for Insurance: 7-day wait from the date the payment/bind order is received.
Are there any additional taxes and/or fees?
Yes, taxes and fees for the policyholder’s state are automatically calculated as part of the quote and can be found on the premium breakdown on the quote page.
How long is the policy period of an Amwins Flood policy?
The policy period is one year (12 months).
