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 Beyond Floods through National General, an Allstate company, or you can purchase a policy online through a government-run National Flood Insurance Program (NFIP).
Why do I need flood insurance?
When you purchase an NFIP flood policy through an Allstate agent, you're helping to protect yourself from the financial burden flooding can cause. In fact, just one inch of water in a home can cost more than $25,000 in damage. 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.
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.
Flood insurance options
Beyond Floods
Private flood insurance offered by National General, an Allstate company.
get a Beyond Flood quoteNational Flood Insurance Program
National Flood Insurance Program (NFIP) is a federal program administered by FEMA.
get an NFIP quoteCompare your options
Take a closer look at your flood coverage options from Beyond Floods and the NFIP.
Beyond Floods | National Flood Insurance Program | |
|---|---|---|
Type of Insurance
| Private (National General, an Allstate company) | Government (FEMA-backed, subsidized) |
Waiting period | Loan closing All other 7-day wait | Loan closing All other |
Types of buildings that can be covered | Residential Single family | Residential buildings and units
Non-residential/commercial |
Maximum Payout for Structure
| Residential Up to $1.5M | Residential
Non-residential/commercial |
Maximum Payout for Contents (non-structural) | Residential Up to $750,000 | Residential Non-residential/commercial |
Basement Coverage | Yes | Limited |
Displacement Costs (expenses incurred while unable to live in structure) | $5K minimum; up to $150K | None |
Price
| ||
Payment Options | Direct and Lender-billed options:
| Annual only |
What's not covered by flood insurance?
When it comes to flood damage, Building Property and Personal Property (Contents) policies won't cover:
- Damage caused by moisture, mildew or mold that could have been avoided by the property owner
- Currency, precious metals and valuable papers like stock certificates
- Property and belongings 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. © 2024 Allstate Insurance Company, Northbrook, IL.
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. Excess & Surplus 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. © 2024 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