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 government-run National Flood Insurance Program (NFIP) policy through an Allstate agent.
Why do I need flood insurance?
Yes, you should consider getting flood insurance to protect your home and your personal belongings in the event of a flood. Although some home lenders don’t require flood insurance, FEMA recommends flood insurance for every home in the U.S.
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.
Why do I need flood insurance?
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.
Flood insurance options
National Flood Insurance Program
make sure your home is covered
Help protect your house and belongings by purchasing a National Flood Insurance Program (NFIP) policy. Get an online quote or talk to an agent about NFIP
What's not covered by flood insurance?
While there’s a lot that flood insurance covers, 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