NFS Edge Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Operational summary for NFS Edge / Aon Edge EZ Flood private flood programs (U.S. only): 1) Overall appetite & positioning - Aon Edge markets a suite of private flood solutions as alternatives or supplements to NFIP coverage, distributed exclusively through licensed agents and brokers. - Key products: EZ Flood (residential primary), EZ Flood Preferred (lower‑risk zones), Excess Flood (over NFIP limits), and EZ Flood Commercial (custom commercial flood solution).([aonedge.com](https://www.aonedge.com/?utm_source=openai)) 2) Eligible occupancies / property types - Residential EZ Flood is intended for: - Single‑family and 2–4 family residential dwellings. - Owner‑occupied and certain non‑owner‑occupied risks (check portal rules for specifics). - Homeowner marketing materials reference eligibility for properties in A and V zones (higher‑risk and coastal) as well as B, C and X zones (lower‑risk, non‑mandatory purchase areas).([aonedge.com](https://www.aonedge.com/getmedia/737ca546-6b38-4752-bc8c-77bd6bf76c0a/Aon-Edge-Homeowner-s-Guide-to-Buying-Private-Flood-Insurance.pdf?utm_source=openai)) - Commercial flood product provides custom coverage solutions for commercial structures; eligibility and terms are subject to underwriting and are configured via the online platform or direct underwriter engagement.([aonedge.com](https://www.aonedge.com/getmedia/e9a6a7f3-58fa-4a68-8de9-36822541dc4b/EZFC-Product-Sheet-F-14836-1125.pdf?ext=.pdf&utm_source=openai)) 3) Geographic appetite / restrictions - Aon Edge private flood products are actively promoted as available nationwide but are not offered in certain jurisdictions for specific product segments: - A third‑party carrier flyer referencing NFS Edge indicates EZ Flood Standard is not available in AK, DC, HI, and KY; Excess Flood not available in AK, DC, and KY.([upcinsurance.com](https://www.upcinsurance.com/docs/default-source/marketing/flyers/upc-flood-flyer.pdf?utm_source=openai)) - Official Aon Edge consumer materials emphasize broad availability but do not list a public, authoritative state‑by‑state underwriting grid; check the agent portal or quoting system for definitive current state eligibility and any moratoriums. 4) Flood zone appetite - EZ Flood is designed to write both higher‑risk mandatory purchase zones and lower‑risk zones: - Higher‑risk: A and V flood zones (including coastal V) – positioned as an alternative to NFIP.([aonedge.com](https://www.aonedge.com/getmedia/737ca546-6b38-4752-bc8c-77bd6bf76c0a/Aon-Edge-Homeowner-s-Guide-to-Buying-Private-Flood-Insurance.pdf?utm_source=openai)) - Lower‑risk: B, C, and X zones – marketed via “EZ Flood Preferred” with more affordable rates and competitive limits.([upcinsurance.com](https://www.upcinsurance.com/docs/default-source/marketing/flyers/upc-flood-flyer.pdf?utm_source=openai)) - Excess Flood is targeted to locations already carrying NFIP where replacement cost values exceed NFIP limits. 5) Coverage structure & key features (for agent positioning) - EZ Flood residential highlights:([aonedge.com](https://www.aonedge.com/getmedia/737ca546-6b38-4752-bc8c-77bd6bf76c0a/Aon-Edge-Homeowner-s-Guide-to-Buying-Private-Flood-Insurance.pdf?utm_source=openai)) - Coverage generally mirrors or exceeds NFIP forms and includes coverage for catastrophic ground collapse. - Higher coverage limits and more deductible options than NFIP (marketing material notes increased limits and deductible flexibility vs government‑issued coverage). - Optional additional living expense (ALE), food spoilage, and swimming pool clean‑up coverages available on some risks. - No waiting period when purchased in conjunction with a loan closing; otherwise a standard waiting period (FAQ document notes 15 days for EZ Flood when not tied to closing). - Base deductible shown as $5,000 with additional options (approx. $1,000, $1,250, $2,000, $10,000) where available; building and contents deductibles apply separately. - EZ Flood Preferred / Standard (per UPC flyer referencing NFS Edge):([upcinsurance.com](https://www.upcinsurance.com/docs/default-source/marketing/flyers/upc-flood-flyer.pdf?utm_source=openai)) - Preferred (zones B, C, X): up to $300,000 building / $100,000 contents, replacement cost on primary residence, potential for no waiting period, flexible limits. - Standard: up to $750,000 building / $200,000 contents, no secondary home surcharge, no waiting period when aligned with loan closing. - Excess Flood: - Provides limits above NFIP primary coverage; no additional deductible beyond the NFIP deductible (Excess pays losses above NFIP limits).([aonedge.com](https://www.aonedge.com/getmedia/cb940c09-a8a3-4730-b1fa-8252d0f3c944/Aon-Edge-FAQ-032021.pdf?utm_source=openai)) - Commercial EZ Flood key points (product sheet comparison vs NFIP):([aonedge.com](https://www.aonedge.com/getmedia/e9a6a7f3-58fa-4a68-8de9-36822541dc4b/EZFC-Product-Sheet-F-14836-1125.pdf?ext=.pdf&utm_source=openai)) - Option by endorsement to include business income coverage. - More flexible treatment for certain basement exposures compared to NFIP limitations (no equivalent restrictive basement clause noted in the comparison table). 6) Underwriting stance & restricted/excluded risks (as discernible from public docs) - Program is described as "subject to underwriting"; detailed risk exclusions are not fully published in open marketing pieces and must be confirmed in the portal or policy forms. - FAQ and marketing emphasize that EZ Flood is an alternative to NFIP, not a companion policy—agents should not place both EZ Flood and NFIP primary flood on the same structure; Excess Flood is the proper layer over NFIP when higher limits are needed.([aonedge.com](https://www.aonedge.com/getmedia/cb940c09-a8a3-4730-b1fa-8252d0f3c944/Aon-Edge-FAQ-032021.pdf?utm_source=openai)) - Severe repetitive loss (SRL) and high‑frequency loss properties are discussed in Aon Edge blog content primarily in the context of NFIP surcharges and mitigation requirements, implying heightened rating/underwriting scrutiny for SRL‑type exposures; however, explicit declination rules for EZ Flood on SRL properties are not listed publicly and should be checked in the rating system.([aonedge.com](https://www.aonedge.com/Resource-Center/Blog/What-is-Severe-Repetitive-Loss-%28SRL%29?utm_source=openai)) - As with most private flood programs, expect standard restrictions around non‑insurable property types (certain high‑risk commercial occupancies, properties with major unmitigated prior losses, significant foundation instability, etc.), but these details are not enumerated in the public materials reviewed. 7) Submission & agent workflow - Distribution is 100% through licensed agents/brokers; there is no direct‑to‑consumer bind. - Agents must be contracted/appointed with Aon Edge before quoting; appointments are managed via the agent registration link from the main Aon Edge site or program‑distribution partners.([aonedge.com](https://www.aonedge.com/?utm_source=openai)) - Quoting and issuance: - EZ Flood residential is quoted via an online portal with a highly streamlined data capture (marketing highlights 12 underwriting questions for EZ Flood) and instant policy issuance for qualifying risks. - Commercial EZ Flood is also quoted through Aon Edge’s platform with “easy, streamlined online quoting” and quick policy issuance, with underwriter support for more complex commercial structures.([aonedge.com](https://www.aonedge.com/getmedia/737ca546-6b38-4752-bc8c-77bd6bf76c0a/Aon-Edge-Homeowner-s-Guide-to-Buying-Private-Flood-Insurance.pdf?utm_source=openai)) - Submission expectations (from FAQ and marketing context):([aonedge.com](https://www.aonedge.com/getmedia/cb940c09-a8a3-4730-b1fa-8252d0f3c944/Aon-Edge-FAQ-032021.pdf?utm_source=openai)) - For residential, minimal underwriting data: property location, construction/occupancy basics, loan‑closing date (if applicable) and flood zone. Elevation certificates are not referenced as mandatory in public marketing (positioned as easier than NFIP), but may be required for specific edge‑case risks. - For Excess Flood, a valid in‑force NFIP policy and details of existing limits and deductibles are required; coverage binds the day after receipt of all required information. 8) Broker / producer notes - Agents are explicitly instructed in FAQ materials that Aon Edge does not give coverage advice; producers are expected to compare NFIP vs EZ Flood and help insureds select the option best aligned with their needs. - When discussing options with clients, agents should emphasize: - Broader optional coverages (ALE, ground collapse) where available. - Potentially higher limits and different deductibles versus NFIP. - Waiting period rules and the benefit of binding at loan closing to avoid a waiting period. - Claims: policyholders may report claims directly via the claim number on the declarations or contact their agent, who then works with Aon Edge/assigned carrier claims resources.([aonedge.com](https://www.aonedge.com/getmedia/cb940c09-a8a3-4730-b1fa-8252d0f3c944/Aon-Edge-FAQ-032021.pdf?utm_source=openai)) 9) Practical underwriting & placement guidance - Target / preferred: - Well‑maintained single‑family and 2–4 family homes in any A or V zone requiring flood insurance where rates and terms are competitive with NFIP. - Lower‑risk B, C, X zone properties where flood insurance is optional but recommended; position EZ Flood Preferred for pricing and replacement cost features. - Commercial properties needing alternatives to NFIP or broader coverage, particularly where business income and more flexible basement treatment are valued. - Residential structures needing limits beyond NFIP maximums via Excess Flood. - Use NFIP plus Excess Flood where insureds already have NFIP policies but need higher limits; avoid double‑placing NFIP and EZ Flood primary on the same risk. - Always verify current state availability, zone eligibility, and any moratoria or special rules (e.g., for severe repetitive loss, coastal or high‑cat zones) in the Aon Edge agency portal at time of quote, as these operational rules are not fully detailed in public documents and can change periodically.