What is 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 policy on-line from National General, an Allstate company, or a government-run National Flood Insurance Program (NFIP) policy through an Allstate agent.
Why do I need flood insurance?
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.
Compare your options
Take a closer look at your flood coverage options from Beyond Floods and the NFIP.
National Flood insurance program
(National General, an Allstate Company)
Residential buildings and units
Maximum Payout for Structure
Up to $1.5M
Maximum Payout for Contents
Up to $750,000
(expenses incurred while unable to live in structure)
$5K minimum; up to $150K
Contact agent to quote
Direct and Lender-billed options:
What does flood insurance cover?
When it comes to flood insurance, you can choose from two types of coverage: building property (structure) and personal property (contents).
Building property (structure) coverage
Covers your home’s physical structure, including electrical and plumbing systems, refrigerators, window blinds and more.
Personal property (contents) coverage
This covers your belongings inside your home. Things like clothing, furniture, microwaves and televisions, at their value at the time that they’re damaged or destroyed.
What's not covered?
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
¹Subject to National Flood Insurance Program terms, conditions and availability. The National Flood Insurance Program (NFIP) is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). NFIP flood policies are underwritten by the federal government and sold and administered by private insurance companies like Allstate through the Write Your Own (WYO) Program. © 2022 Allstate Insurance Company, Northbrook, IL.
Excess Flood Insurance coverage may currently be available in your state. 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 coverage is available in your area.
Please note that this website provides only a summary of Flood Insurance coverage, written to illustrate in general terms how flood insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.
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.
Beyond Floods branded policies underwritten by member companies of National General, An Allstate Company. Terms, conditions, limits and exclusions apply. Availability may vary by state. Admitted Private Flood: FL & NJ. E&S Private Flood: AL, AZ, CA, CO, CT, GA, IA, ID, IL, IN, LA, MA, MD, ME, Ml, MN, MS, NC, NM, OH, OR, PA, RI, SC, TX, VA, WA, WV.
NFIP policies are available in all states, including the District of Columbia subject to National Flood Insurance Program terms, conditions and availability. The National Flood Insurance Program (NFIP) is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). NFIP flood policies are underwritten by the federal government and sold and administered by private insurance companies like Allstate through the Write Your Own (WYO) Program. © 2022 Allstate Insurance Company, Northbrook, IL.* NFIP Standard Flood Insurance Policy Summary of Coverage
* NFIP Commercial Property Summary of Coverage * NFIP Residential Condominium Buildings Summary of Coverage