Wright Flood Insurance Reviews

Are you a homeowner living in a flood-prone area? If so, you know how important it is to have reliable flood insurance that can protect your property from costly damages. That’s where Wright Flood Insurance comes in – one of the leading providers of flood insurance in the United States.

But with so many options available, is Wright Flood Insurance really worth your investment? In this blog post, we’ll provide an overview of the company and what they offer, as well as reviews from real customers to help you make an informed decision about whether or not Wright Flood Insurance is right for you. Let’s dive in!

Wright Flood Insurance Company Overview

Wright Flood Insurance is a private flood insurance company that has been in operation since 1993. The company provides flood insurance to homeowners, renters, and business owners across the United States. They are backed by Lloyd’s of London, one of the world’s largest and most respected insurance providers.

Wright Flood Insurance prides itself on providing customized coverage options at affordable prices. They offer both standard and excess flood insurance policies, with coverage limits ranging from $50K to $15M depending on your needs.

One unique aspect of Wright Flood Insurance is their commitment to education about flood risk management. They provide resources for policyholders such as online courses and webinars to help them understand how to protect their homes from floods and minimize damage in case of an emergency.

Wright Flood Insurance is a trusted provider that offers comprehensive coverage options at competitive rates while also prioritizing customer education. Their dedication to helping people prepare for natural disasters sets them apart from other insurers in the industry.

What Does Wright Flood Insurance Cover?

Wright Flood Insurance provides coverage for both structural and personal property damage caused by floods. This includes damages to the building’s foundation, walls, electrical system, plumbing and HVAC systems. The policy also covers any appliances that are installed in your home such as washers, dryers and refrigerators.

In addition to structural damage, Wright Flood Insurance also covers personal property losses due to floods. This can include furniture, clothing, electronics or other items that may be damaged or destroyed during a flood event.

Wright Flood Insurance policies typically cover up to $250,000 in damages for residential properties and up to $500,000 for commercial properties. However, it is important to note that certain items such as jewelry or artwork may require additional coverage through a separate policy.

It is recommended that homeowners review their policies annually with their insurance agent to ensure they have adequate coverage based on their specific needs and location. Wright Flood Insurance offers comprehensive coverage options for those looking for protection against flood-related damages.

How Much Does Wright Flood Insurance Cost?

One of the most important factors to consider when purchasing flood insurance is the cost. Wright Flood Insurance offers policies with premiums that vary based on several factors.

The cost of your policy will depend on your property’s location, age, construction type, and other risk factors. Additionally, coverage limits and deductibles affect premium prices.

Wright Flood Insurance provides a free quote tool that allows you to estimate how much you’d pay for a policy. All you have to do is enter some basic information about your property.

It’s essential to note that while flood insurance can be costly upfront, it can save you thousands in repair costs if your home experiences water damage from flooding. The price of repairs after a flood far exceeds the investment in preventative measures like flood insurance.

While it may seem like an additional expense on top of mortgage payments and property taxes, Wright Flood Insurance offers competitive rates that provide peace of mind during hurricane season or heavy rainfall periods.

Wright Flood Insurance Customer Reviews

Wright Flood Insurance has been in business for over 20 years, and during that time, they’ve garnered many customer reviews. Reading through these reviews can give you a good idea of what to expect if you decide to purchase Wright Flood Insurance.

Some customers rave about the company’s excellent customer service, saying that representatives are knowledgeable and helpful. Others appreciate the ease of signing up and managing their policies online.

However, some negative reviews mention issues with claim processing times or difficulty getting in touch with representatives during emergencies. It’s important to keep in mind that not every experience will be positive, but overall Wright Flood Insurance seems to have a solid reputation among its customers.

When reading through customer reviews, it’s essential to consider both positive and negative feedback while keeping your individual needs in mind. Ultimately, only you can determine if Wright Flood Insurance is the right choice for your coverage needs.

Pros and Cons of Wright Flood Insurance

Pros and Cons of Wright Flood Insurance

Like any insurance policy, there are pros and cons to choosing Wright Flood Insurance. Here we will delve into both sides to help you make an informed decision.


One of the biggest advantages of Wright Flood Insurance is that it offers comprehensive coverage for a wide range of flood-related damages. This includes not just damage caused by natural floods, but also losses resulting from heavy rainfall, storm surges, hurricanes, and more.

Wright Flood Insurance provides flexible payment options so you can choose what works best for your budget. They offer annual premium payments as well as monthly installments with no additional fees or charges.

In addition, claims with Wright Flood are typically processed quickly and efficiently thanks to their experienced adjusters who specialize in handling flood claims.


While the cost varies depending on factors like location and property type, some customers may find that rates for Wright Flood Insurance policies can be higher than those offered by other providers.

Another downside is that certain areas may not be eligible for coverage through Wright due to high-risk zones or other factors beyond their control.

Some customers have reported difficulty reaching customer service representatives at times when they need assistance with their policy or filing a claim.

While there are potential drawbacks to choosing Wright Flood Insurance, many customers report positive experiences with the company’s comprehensive coverage options and efficient claims processing.


After looking at the various aspects of Wright Flood Insurance, it is clear that they are a reliable option for flood insurance coverage. They offer comprehensive policies that cover a wide range of damages caused by floods.

The rates offered by Wright Flood Insurance are competitive and affordable compared to other flood insurance providers, making it an attractive option for homeowners in high-risk areas.

Additionally, their customer service team has received positive reviews from customers who have appreciated their prompt and helpful responses to any queries or claims filed.

However, as with any insurance policy, there may be certain limitations and exclusions that apply. It is important for potential customers to thoroughly read through the terms and conditions before purchasing a policy.

If you live in an area prone to flooding, Wright Flood Insurance should definitely be on your radar as a top contender for reliable coverage.