flood insurance

Flood insurance¹ helps cover physical damage to your home and belongings from floods or related losses from rising water. You can purchase a government-run National Flood Insurance Program (NFIP) policy through an Allstate agent.

When you purchase a flood policy through Allstate, you're helping to protect yourself from the financial burden flooding can cause. Instead of paying out of pocket or taking out loans to cover your expenses, flood insurance can help make the recovery process quicker, easier and less costly.

When you purchase both types of flood insurance coverage—Building Property and Personal Property (Contents)—you're helping protect yourself from a variety of flood-related damages. Here are some of the things each type can help cover.

Building property coverage

Provides coverage for the physical structure of your home or non-resident property, including electrical and plumbing systems, refrigerators, window blinds and more.

Personal property (contents) coverage

Provides coverage for the items inside your home, like clothing, furniture, microwaves and televisions, at their value at the time of loss.

While there’s a lot they do protect, the building property (structure) and personal property (contents) policies don’t cover every flood-related expense or situation. Here are a few examples of what may not be covered:

• Damage caused by moisture, mildew or mold that could have been avoided by the residence’s owner
• Currency, precious metals and valuable papers like stock certificates
• Property and items outside of a building like trees, fences and swimming pools
• Living expenses like temporary housing