Flood Insurance
Rising Waters Require Special Coverage
Floods and flash floods can occur anytime, anywhere, in all 50 states — on coasts, in the mountains, along rivers and in the middle of the desert. In fact, roughly 25% of all flood insurance claims come from areas not considered high risk.
How Can You Protect Against Flood Damage?
The Federal Government runs a National Flood Insurance Program (NFIP), which is why most home and property insurance typically doesn't cover flooding.
The government draws a Flood Hazard Boundary Map that divides the country into flood zone risk areas, and their Flood Insurance Rate Map sets the coverage and premiums for those areas.
You can enter your address at www.floodsmart.gov to find out your risk, or ask an Allstate agent.
How Can You Protect Against "Non-Flood" Water Damage?
You may need to consider additional water backup insurance. Neither the NFIP, nor your base homeowner's policy, will typically cover water that backs up through sewers or drains or overflows from a sump pump.
To be sure you have the right coverage, discuss all of your specific concerns about water damage with your agent.
Learn About Other Types of Residential Insurance Coverage
How are you protected in the event of a lawsuit? Allstate's liability insurance overview can help you.
How will you help pay for your guest's medical bills in the event of an accident? Allstate's guest medical coverage overview can tell you.
Are your personal possessions covered? Find out by reviewing Allstate's personal property coverage section.
Let's Get Started
An Allstate agent can help you determine which discounts you may qualify for, and what level of coverage may be right for you.
Please see the disclaimers below.
The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.
Excess Flood Insurance coverage may currently be available but only in the following states: Alabama, Alaska, Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Louisiana, Maine, Maryland, Michigan, Mississippi, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington. In order to qualify for an Excess Flood Insurance Policy, you first need to purchase a National Flood Insurance Policy through Allstate. Excess Flood Insurance is provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company. Excess Flood Insurance is subject to availability and qualifications. Other terms, conditions and exclusions may apply. Contact your local Allstate agent to find out whether Flood Insurance coverages are available in your area.