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
Aon Edge’s verified current residential flood product is EZ Flood, a private flood solution for single-family residential properties. Preferred business includes eligible homeowners in both higher-risk/coastal mandatory purchase areas and lower-risk non-mandatory areas, with qualifying properties in A, B, C, V, and X flood zones. The product is positioned for fast quoting with simplified underwriting, no elevation certificate required, and no property photos required for quoting. Coverage can be materially broader than NFIP limits, with maximum eligible total insured value of $7.5 million combined, building limits up to $6.8 million, and contents up to 70% of building coverage. Geographic availability is nationwide except Alaska, District of Columbia, Hawaii, and Kentucky. Residential eligibility varies by property location and certain property characteristics, so not every risk will clear even within eligible states/zones. The public residential materials do not publish a detailed declined-classes list, but the product is expressly designed for single-family residential homes rather than commercial or non-residential occupancies. Submission/placement expectations: producers must have an active appointment with Aon Edge before quoting or binding; agency onboarding may require tax ID, agency licenses, E&O documentation, and user-email lists for credentials. Aon Edge states underwriting requires only a handful of questions to generate an indication, quotes can be produced in under a minute, and declarations can be issued instantly when bound. Timing notes: Aon Edge indicates no waiting period when purchased in advance of a loan closing transaction; otherwise, Aon’s About page states a 15-day waiting period. Broker/producer notes: lenders are stated to accept qualifying private flood policies under the federal private flood acceptance rule; insureds are advised to confirm lender acceptance before canceling NFIP or closing a loan. Producer support resources include FAQs, checklists/handouts, and registration materials including a Producer Brokerage Agreement and instructions.