[VOICEOVER] Heavy rains... Seasonal runoff... Overflowing rivers… Hurricanes… These are just some of the ways flooding can happen. Are you prepared? If you don’t have a flood insurance policy, it’s important to consider how one might help you.

[ON SCREEN] Any home can flood

[ON SCREEN] Homeowners insurance does not typically cover flood damage

[VOICEOVER] It's important to know that homeowners insurance typically does not cover flood damage.

Flood insurance is a separate policy. Your insurance agent may be able to help you purchase it through the federal government’s National Flood Insurance Program.

A flood insurance policy offers two types of coverage.

[ON SCREEN] Building Property Coverage

[VOICEOVER] Building property coverage helps pay to repair the physical structure of your home and its foundation and components like siding and interior walls, floors, plumbing and electrical materials if they are damaged by flood water.

[ON SCREEN] Coverage under your policy depends on the extent of damage to your home, but will not exceed your coverage limit.

[VOICEOVER] Flood insurance can provide up to $250,000 in building property coverage.
Flood insurance also includes personal contents coverage, which helps pay to repair or replace your belongings such as clothing, furniture and electronics.

[ON SCREEN] Coverage under your policy depends on the value of your damaged belongings, but will not exceed your coverage limit.

[VOICEOVER] A flood insurance policy can provide up to $100,000 in coverage for your belongings. Keep in mind, though, that while flood insurance may cover appliances, such as a furnace, in your basement, it does not cover damage to belongings you store there or damage to things like walls and floors in below-ground rooms.

A local Allstate agent can help you learn more about flood insurance and purchase a policy through the National Flood Insurance Program — if it’s available in your area.

Want to learn more? Contact an Allstate agent

[ON SCREEN] Allstate logo

[ON SCREEN] This content is for informational purposes only and may not be applicable to all situations. 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. © 2019 Allstate Insurance Company, Northbrook, IL.