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Flood Insurance in Venice and Sarasota, FL

Protecting Homeowners from the Unexpected

Flooding can cause all kinds of damages, and in Florida flooding is common.  Flat terrain and being almost entirely surrounded by water in a region that sees a lot of storms make it so. Protection against flood damage can be vital to homeowners throughout The Sunshine State, and insurance provides this protection. At Ramey Insurance Agency we have a comprehensive flood insurance program that can keep you fully protected for the right price.

Coverages tailored to you

The National Flood Insurance Program (NFIP) issues flood insurance, but it is not the only provider of this insurance.  Independent insurance agencies like ours can deliver flood insurance, and working with us means more opportunities for you to stay covered for the right prices. We offer higher limits than the NFIP and we can help you save money by combining flood insurance with other insurance, if possible. 

Flood insurance protects two types of insurable property: building and contents.  Coverages from the National Flood Insurance Program (NFIP) do not protect the land on which structures sit.

Building coverages include:

  • Building and foundation
  • Electrical and plumbing systems
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished floor

Contents coverages include:

  • Clothing, furniture, and electronic equipment
  • Portable and window air conditioners
  • Portable microwaves and dishwashers
  • Carpeting that is not already included in property coverages
  • Clothing washers and dryers

The two most common reimbursement methods are replacement cost value (RCV) and actual cash value (ACV).  RCV is the cost to replace damaged property.  Buildings are valued at RCV.

Personal property and other buildings are valued at ACV, which includes depreciation.  You can see a summary of coverages on the NFIP’s official site,

For more information on residential flood insurance coverages, see the NFIP’s residential page.  For more information on commercial flood insurance coverages, see the NFIP’s commercial page

Florida is a ‘high-risk’ area and flood insurance in this area is therefore more expensive than it is in many other parts of the U.S. This doesn’t mean that you have to pay an arm and a leg though. Just talk to one of our agents to find out how much it will cost you and how much you can save. You can also see our FAQ page.

An Agency you can trust

It’s important that your insurance meets all of your needs, but it’s also important that your insurer gives you the best possible experience. At Ramey Insurance Agency we keep you informed and we support you, which make buying and using insurance easy. We manage risk and claims, monitor policies once they’re in place, and are reachable whenever you need to reach us.

Please contact us or give us a call to learn more or to get started. You can also request a quote.

Ramey Insurance is proud to provide flood insurance in Venice, Nokomis, Englewood, Sarasota, Osprey, and North Port, FL. We also serve other areas in the state.

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Our Location

Ramey Insurance Agency

4130 Woodmere Park Blvd #9
Venice, FL 34293
Main office: 941-497-2468
Fax: 941-493-5775

Our Providers


Working with Christine at the Ramey Agency has been a great experience. We have a retirement/rental property and it's not always easy to maneuver insurance/coverage matters from out of state. We only wish they had an agency in NJ!
Traci H.
Michelle and Shannon worked so hard, after I was involved in a car accident, and fought the at fault's insurance. They went above and beyond. They made a VERY stressful situation basically disappear. They handled everything for me. When they say "Nationwide is on your side" it is 100% true.
Adrianna L.
I have known Terri and the agents at Ramey Insurance for many years. They have a very dedicated staff that is invested in giving the best service to their clients. They have a very friendly and professional atmosphere in their office that makes customers feel welcome. The staff takes the time to get to know their clients so that they can provide the appropriate coverage at a competitive price. I highly recommend Ramey Insurance.
Tara V.
I have worked with Danielle & Shannon at Ramey Insurance as well as Terri, the owner. All of them have displayed a high level of professionalism and knowledge in the field of insurance. What a great agency to work with!
Lisa S.
I have known the Ramey Agency for years and have nothing but cudos for how they operate their business! Friendly, courteous, knowledgeable, and prompt. If that is what you are looking for in an agency to do business with, look no further! You have found it here!
Ms. Peterson
I have been with Ramey Ins since our move to Florida almost 15 yrs ago and have always been impressed with their ethics and knowledge. I have also recommended them to my friend and neighbors who have joined the Ramey team, not sure where one star man is coming from.
Doris D.