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Aon Edge - Private Flood Insurance 101 Fact Sheet

When it comes to choosing flood insurance, today’s property owners have options. In light of recent flood map changes and extreme weather events that have hit the nation, homeowners may find they want more coverage than what is available in the standard policy offered by the NFIP.


Aon Edge delivers private flood insurance that works for you. It is a viable option for helping protect your home and valued possessions from the event of a flood loss because it….

Is designed to cover a range of residential properties – from higher risk and coastal areas where mandatory flood insurance purchase requirements apply to lower risk areas.

Is now being accepted by a variety of lenders of all types, allowing homebuyers to evaluate whether NFIP coverage or private coverage is a better choice.

Is available in expanded storm surge areas and offers optional coverages for additional living expenses plus food spoilage and swimming pool clean-up protection.

 Allows up to $1,250,000 coverage for a building and $875,000 in contents coverage and offers deductible options.

 Is available at affordable rates. The average policy for a 2,500 square-foot home is about $1,100 annually.

Has only a 15 day waiting period before coverage takes effect, compared to 30 days for an NFIP policy.

As a property owner, exploring your flood insurance options enables you to make informed decisions in protecting what matters most – your home, finances and valued possessions.

Logo of Aon edge private flood insurance company

Highlights of Aon Edge Private Flood Insurance: 

  • Aon Edge’s Private Flood insurance offers higher coverage limits, more deductible options and lower rates. Homeowners can save up to 40% on premiums vs. National Flood Insurance Program (NFIP).  

  • Aon Edge’s EZ Flood Product offers up to $1.25 million for a structure and $875,000 for personal property for qualifying homes. The NFIP has limits of $250,000 for real property and $100,000 for personal property.

  • Private flood insurance allows agents to package different policies to create customized solutions for their clients. Aon Edge’s innovative product design enables customers to protect more, like basement and detached structures that are option prone to flooding. 

  • Eligible in all states except AK, DC, HI and KY.

  • No waiting period during the loan closing process, Aon Edge has instant issue policies.

  • Catastrophic ground collapse coverage

  • Underwritten by Lloyd’s of London – A.M Best Rated A.

We are a family insurance agency founded in 1968 specializing in flood and homeowner insurance for people who live near the water.


"The Town Agency helped me get the right coverage on my auto and home insurance. A live person always answers the phone and everyone was so helpful. They have the lowest rates and even helped my mom get a better policy too. 

- Leo Yamhzi

"I've used the Town Agency for years and they have always been helpful. When I had a fire John came to my house and was a big help. I highly recommend them."

-Janet Cohen

"They saved me money and made changing my insurance a breeze. Keep up the good work guys"

-Jennifer Duffy

Contact Information

Phone: (516) 294-1000

Fax: (516) 741-6025

Text message: (516) 522-0387


1205 Franklin Ave.

Suite 102

Garden City, NY 11530


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At our agency, you will have your own personal customer service representative to speak with when you call or visit our office.

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