When you live in a tropical island, flooding is a constant risk.

USIC offers you the first Private Flood Policy in Puerto Rico at a competitive price so you can protect your home and your belongings from any damages caused by flood.

USIC - Private Residential Flood Policy USIC - Private Residential Flood Policy
01 Personal
Private Residential Flood Policy

Floods are the most frequent and damages could be very expensive.  Our island has a lot of flood high risk areas that can be flooding anytime. We want to help you protect your home from flood damage. Our Private Residential Flood Policy includes many benefits that will help you feel covered in case flood exposure.

  • Building limits of up to $1 million (currently NFIP offers up to $250,000)
  • Greater flexibility in underwriting requirements
  • Vandalism coverage without an additional premium
  • * Service charges and surcharges charged by the NFIP do not apply
  • Dwelling policy (residential): up to four families
  • Condominium units for residential ocuppancy 

(*) In our program, you have the option to cover the excess (common assets) not covered by the Master Policy in the event that it has not been issued at 100% of the replacement cost.

Advantages of the Private Policy with USIC
Building limits of up to $1 million (currently NFIP offers up to $250,000) Yes No
Flexible underwriting requirements  Yes No
Broader scope of terms and conditions Yes No
No federal charges apply Yes No
Vandalism coverage without an additional premium Yes No
No annual increase Yes No
USIC - NFIP Residential Flood Insurance Policy USIC - NFIP Residential Flood Insurance Policy
02 Personal
NFIP Residential Flood Insurance Policy

USIC is authorized to issue policies through the National Flood Insurance Program (NFIP), which is administer and regulated by FEMA.

  • Dwelling policy (residential): up to four families
  • Condominium units for residential ocuppancy 

Other products available under the National Flood Insurance Program (NFIP) include the Residential Condominium Association Master Policy.

FAQ: Personal Flood Policies
  • What is a Flood Policy? + It is a single-risk (flood) policy that covers direct physical damage to the insured property up to the replacement cost or maximum limit available under the program. Flood is define as a general and temporary condition of partial or complete flooding of two or more acres of normally dry land or two or more properties (of which at least one belongs to the insured) arising from:
    • The overflow of internal or maritime waters.
    • Unusual or rapid accumulation or spillage of surface water from any source.
    • A mudslide, or a river of liquid and mud that flows on the surfaces of areas of land that are normally dry, such as when the soil is carried by a stream of water.
    • The collapse or sinking of land along the coast of a lake or along a similar body of water as a result of erosion or undermining caused by waves or streams of water exceeding anticipated cyclical levels resulting in a flood in the terms defined above
  • What does your Residential Flood Policy cover? +

    Our policy covers the direct physical loss to the building and personal property caused by a flood peril.

    With this policy you can protect:

    Cover A
    • The insured building and its foundations
    • Electrical and plumbing systems
    • Central air conditioning, heating and water heaters
    • Refrigerators, stoves, and wall-mounted appliances such as dishwashers
    • Permanently installed carpets on unfinished floors
    • Permanently installed panels, slates, bookshelves and cabinets
    • Painting of the affected area
    Cover B - Personal Property (additional premium)
    • Curtains and/or drapes
    • Personal belongings such as clothing, furniture and electronic equipment
    • Portable and window air conditioning units
    • Portable microwave ovens and portable dishwashers
    • Carpets not included in the building coverage
    • Washing machines and dryers
    • Original artwork and furs (up to $2,500)
  • Why do I need a residential flood policy? + Flood insurance allows quick recovery from damages caused to your home, thus avoiding unexpected expenses that could impact your budget.
  • Is the house policy covering the losses caused by a flood? + Damages caused by Flood damage are excluded or limited from majority of hazard and personal package policies available in the market. This policy covers damages to your residence caused by flood up to the limit of the policy.