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Flood Insurance in Naples, FL
The right protection to keep your head -and home- above water

Life’s Complicated, but Your Flood Insurance Shouldn’t Be

Flood insurance is one of those things that everybody needs and few ever expect to use - that is, until they do. But that’s why it’s there; to have your back when life throws you a curveball and make sure your property and belongings don’t fall victim to the forces of mother nature.

Affordable Flood Coverage at Every Level

With so many policies and coverage options to choose from, it’s easy to get lost in the weeds. Moreover, many homeowners or renters mistakenly believe they don’t need any additional flood insurance because of their dwelling’s main policy, which in many cases won’t fully cover the costs or lasting effects of a full-scale home flooding. But that’s why we’re here; to point you in the right direction and help you determine the flood insurance providers and policy coverages that are right for you and your family.

With over 4 decades of experience in the insurance world, we are confident that we can find you a policy solution that will fully safeguard your property and sanity from the seemingly endless costs of flooding damage, such as home repairs, personal belongings replacement, and resident displacement. So whether you’re in a low or high-risk area for flooding, never wait until it’s too late to get the protection you’ll need tomorrow.

More Than Just A Policy

Our comprehensive plans are designed to give you peace of mind.


The additional items and situations that flood insurance policies  typically cover for homeowners, landlords, renters, and business-owners include:

Personal Property

This coverage protects belongings such as furniture, clothing, decor, appliances, tools, and electronic devices.


This coverage reimburses you for floor repair or replacement costs after a flood.

Clean Up Costs

This coverage reimburses you for property or home cleanup costs after a flood.

Heating or Air Conditioning

This coverage reimburses policy holders from expenses associated with flood-related damages to heating or air conditioning systems.

Your Local Insurance Agency

A Local Name You Can Trust For All Your Insurance Needs

The Muzzi Group is more than an insurance brokerage. We’re our clients’ strongest advocates and most dedicated advisors, helping them reach the levels of protection they need to keep their families and properties safe since 1977. By working with us, you’ll always have access to:

Affordable Rates

Policies to fit every budget, every time. That’s the Muzzi Group guarantee!

Great Savings

We scour the market for the best deals and discounts, so you won’t have to.

Vehicle Protection

Giving you everything you need and nothing you don’t in your property coverage plans.

Comprehensive Coverage

Create the perfect liability umbrella by mixing and matching plans and providers.



Questions? Consult our handy FAQ to get even more in-depth information about the following insurance topics:

Do I need flood insurance?
If your home falls in a high-risk flood area and you have a mortgage from a federally regulated or insured lender, your lender is legally mandated to require you to have flood insurance. That is not the case if your home falls in a moderate-to-low risk area.
How does my flood zone affect my flood insurance premium?
Elevation plays a key role in determining the zone. The further a structure’s elevation is below the base flood elevation, the greater the risk and consequently the higher the flood insurance premium.
Is flood covered under homeowners insurance?
While some homeowners insurance companies will offer a rider to add flood insurance as an endorsement onto the home policy, not all do. If that’s the case, it would not be covered and you would need to get a separate policy.
When do I need an elevation certificate?
If you are in a flood zone and therefore mandated to get flood insurance, you will be required to get an elevation certificate to properly rate the premium. If you are not in a flood zone but personally choose to take out a flood policy as a precaution, you do not need one.

What Our Customers Say

Learn more about us from our satisfied customers’ experiences. 
  • Grasshopper Group Accountant

    Choosing the right insurance coverage for my growing family had never been as easy as it was when I contacted the Muzzi Group, and I don't plan on going back!

    The Wilson Family
  • Grasshopper Group Accountant

    After shopping around for commercial insurance online and from other brokers, I was able to secure the cheapest quote fromThe Muzzi Group II Inc with the desired benefits for my business. I would recommend The Muzzi Group II Inc.

    David Thontron
  • Grasshopper Group Accountant

    When you operate and own a small business, every cent counts. So I appreciate the fact that I found an insurance broker that doesn't just care about making a profit, but also about my business' bottom line and safety in case things go south. Knowing they've got my back is priceless.

    Maximum Movers
  • Grasshopper Group Accountant

    The weather here is unpredictable. The only way you can protect the things that matter is by finding trusted insurance broker who will be with you every step of the way, and that's what the Muzzi Group is for me.

    Alan P

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