Flood Insurance

In Florida, flood damage due to heavy rains or tidal surges is a potential cause of significant loss. Lutgert Insurance represents several companies that administer the National Flood Insurance Program.In addition, Lutgert Insurance offers highly rated carriers that provide Excess Flood coverage for higher value properties. Contact Lutgert Insurance today for details on both of these important coverages.

Flood insurance is coverage for damages caused by the rising or overflowing of bodies of water. The National Flood Insurance Program (NFIP), guaranteed by the U.S. Government, is offered and administered by many insurance companies, all of whom use the same criteria and rating systems to determine and establish premiums. The NFIP has specific upper limits of coverage, hence the need for other insurance carriers to provide Excess Flood coverage for properties exceeding the limits of the coverage offered by the NFIP.

Lutgert Insurance is committed to providing professionalism and the finest customer service for any and all agricultural insurance needs.  Lutgert Insurance employs over 85 employees. Their corporate headquarters is located in Naples, with offices in Ave Maria, Fort Myers, Marco Island and Sarasota.