PROTECT YOUR HOME

Flood insurance 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 a variety of insurance companies.

 

WHY BUY FLOOD INSURANCE?

When you purchase an NFIP flood policy through an Allstate agent, you're helping protecting 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.

 

TYPES OF FLOOD INSURANCE

The NFIP offers two types of flood insurance coverage: Building Property and Personal Property (Contents). The first helps protect your actual home and the second helps cover what's inside. To better prepare for the unexpected, the NFIP recommends purchasing both types of coverage.

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WHAT'S COVERED BY FLOOD INSURANCE?

When you purchase both types of flood insurance—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.

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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

 

WHAT'S NOT COVERED?

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