Last reviewed
Annex is a name on a quote.
What decides your price is your building and your zone.
We check both.
The agent working with ShoutFlood can place Annex and every other flood carrier.
So the advice does not depend on which one you pick.
Florida flood insurance companies
Is Annex a good flood insurance company?
Reviewed by Matt Williams, licensed Florida insurance agent (2-20 General Lines). Last reviewed November 13, 2026.
Annex is a managing general agent that sells policies written by Certain Underwriters at Lloyd's of London. In Florida it sells private flood insurance, as a surplus lines policy, and AM Best rates Lloyd's A+ (Superior).
Your lender set the requirement. Nobody set the price.
Check my addressAnnex at a glance: what does the record say?
private
Surplus lines
A+ (Superior) AM Best, for Lloyd's
$2,250,000
Who is Annex a fit for?
- Homes that need more building coverage than the NFIP's $250,000 limit. Annex lists up to $2,250,000.
Products: Residential Flood (private, primary).
Annex sells through retail agents only.
The 5-point flood check
Does the company set your price? No. Your building does.
Your flood zone decides if your lender requires a policy. The price depends on the building: its elevation, its foundation, its first floor and what it would cost to rebuild. Your community's rating can add a discount.
Check my addressNFIP or private: what does Annex sell?
Wait for a new private policy at Annex: none.
Lenders must accept a private flood policy that meets the federal definition of private flood insurance. Ask your lender to confirm before you close.
Annex's Florida flood policy is a surplus lines policy. Florida's guaranty fund does not cover surplus lines policies, and the policy says so on its first page.
Got a Annex quote? Have it checked.
Send your address and the quote. A licensed, independent insurance agent checks it against your building and the other options and replies by email.
We can place this one. The agent working with ShoutFlood can place Annex and every other flood carrier, NFIP and private.
Questions about Annex?
Is Annex part of the NFIP?
No. Annex sells private flood insurance, not NFIP policies. You can still compare it with an NFIP policy for the same building.
Does Annex sell flood insurance in Florida?
Yes, as a surplus lines policy. Florida's guaranty fund does not cover surplus lines policies.
Will my lender accept an Annex policy?
Lenders must accept private flood policies that meet the federal definition. The federal rule counts a surplus lines policy only for some commercial policies, so ask your lender before you buy.
What does your address need?
- You type your address.
- We show your flood zone, whether a lender will require flood insurance, and your community's discount.
- If you want options, a licensed, independent insurance agent compares NFIP and private policies for your building.