When It Comes To Flood Insurance, AFR Insurance Services Delivers
AFR Insurance Services provides agents and brokers with broad access to top private markets.




AFR saved an educational institution 15% on their renewal
by consolidating coverage from 79 NFIP policies with
varying expiration dates into a single private-market
policy with a unified annual anniversary date.
A Lasting Reputation Built on Delivering Outstanding Service
With over 30 years of experience, AFR Insurance Services has developed unmatched knowledge and insights in the industry. We’ve transformed that expertise into a suite of solutions designed to save agents both time and money.
Agents and brokers partnering with AFR Insurance Services gain direct access to our ever-expanding network of private flood markets as well as our deep expertise. We help agents deliver reliable, accurate, and cost-effective solutions for their clients.
AFR helped an agent prevent a 163% flood insurance premium increase while resolving escrow challenges.
Despite the lender prepaying the higher premium, AFR quickly shopped the market and secured a
cost-effective NFIP policy. They submitted the application ahead of the 30-day waiting period,
ensuring no coverage lapse, and successfully negotiated
a full refund of the $6,000 premium.
Comprehensive Coverage at a Cost-Effective Price
With coverage limits of up to $30 million and multiple deductible options, AFR Insurance Services provides agents with comprehensive coverage at a cost-effective price.
Benefits of Getting Appointed with AFR Insurance Services:
- Competitive rates for both commercial and residential properties
- Business income coverage (for commercial policies)
- Additional living expenses coverage (for residential policies)
- Builder’s risk coverage
- Replacement cost coverage for buildings and contents
- Schedule multiple buildings or locations on a single policy
While assisting a new client with a multi-floor condominium
transition from the legacy NFIP rating system
to Risk Rating 2.0, AFR identified a discrepancy in the
number of floors listed on the client’s annual renewal.
By requoting the policy with the correct number of floors,
AFR reduced the annual premium from
$110,000 to under $70,000.