Flood Coverage Options


Even A Little Water Can Cause Big Damage.

Flood insurance coverage can help you protect your property and your belongings. The National Flood Insurance Program (NFIP) determines coverage and premiums, but when you purchase a flood policy from Allstate, you'll get the support of a knowledgeable agent and service you can count on.

A flood insurance policy can help protect your house, condo, apartment, mobile home or even your business. Most flood insurance policies can include three types of coverage: building coverage, contents coverage and replacement cost coverage. Each of these coverage options offers different kinds of protection.

  • Building coverage
    This protects the physical structure of your home or non-residential property.
  • Contents coverage
    This covers your belongings—the items inside your home. Some examples include clothing, furniture, microwaves and grills.
  • Replacement cost coverage
    This coverage helps reimburse you for the cost of replacing your home. Replacement cost coverage is only available to owners of single-family, primary residences that are insured to within 80 percent of the total replacement cost1.

Your flood insurance could also help cover the cost of items, like sandbags, used to protect your property from the imminent danger of a flood. Contents coverage and replacement cost coverage is not included in all polices. Be sure to talk to an agent to understand what is covered and what isn't.

Learn About Flood Insurance Limits.

An insurance limit is the highest amount your policy will pay for a covered loss. If you have damage or losses over the amount of your policy limit, you are responsible for those costs. The NFIP offers the following maximum limits for most flood insurance policies:

  • Building coverage can typically insure your residential building's structural elements up to $250,000, or your non-residential building at up to $500,0002. Replacement coverage may be available for single-family, primary residences.
  • Contents coverage can typically insure your belongings at up to $100,000 for residential policies and up to $500,000 for non-residential policies2. Contents are covered for actual cost value, which is the value of the item at the time it's lost—not the item's purchase price. Replacement cost coverage is not available for contents.

If you want to cover your property for more than the NFIP's maximum limits, you may be eligible to purchase additional coverage known as an excess flood insurance policy. Talk to your agent for more information on excess flood insurance.

What Is A Preferred Risk Policy?

Simply put, a preferred risk policy is low-cost flood insurance for qualifying properties in low-to-moderate flood risk areas. To find out if your property is eligible for a preferred risk policy, talk to an agent .

How Much Does Flood Insurance Cost?

If your community qualifies for NFIP protection, you can find a local agent to get a flood insurance quote and more information about the coverage necessary to help protect your property.

1https://www.floodsmart.gov/floodsmart/pages/about/coverage_from_nfip.jsp
2https://www.floodsmart.gov/floodsmart/pages/faqs/how-much-flood-insurance-coverage-is-available.jsp

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.

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