Allstate flood insurance review: Widely available NFIP coverage

Allstate flood insurance is available everywhere in the country thanks to its longstanding partnership with the National Flood Insurance Program.

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By

Pat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Published|1 min read

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Allstate flood insurance

Allstate flood insurance logo

Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
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4.7

AM Best rating

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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The bottom line

Neptune offers comprehensive flood insurance with high limits of coverage of up to $4 million for your home and $500,000 for your personal belongings. 

In addition to standard flood insurance coverage, Neptune provides up to $10,000 in coverage for belongings stored in your basement, temporary living expenses while your house is undergoing repairs after a flood, and pool refill and repairs coverage. It also offers high-deductible policy options (up to $25,000) to help lower its already affordable flood insurance rates.

While Neptune’s status as an insurance industry newcomer may seem like a cause for concern, it’s backed by some of the largest and most financially stable insurance companies in the world. One downside of Neptune is they charge you two separate deductibles on claims involving flood damage to your home and personal belongings, but Neptune’s high marks make it worth the potentially higher out-of-pocket expenses.

Learn more >> Allstate named one of Policygenius’ Best Flood Insurance Companies of 2023

Pros

  • Available in all U.S. states and Washington, D.C.

  • Below average number of customer complaints

  • Private flood insurance option available from National General in some states

Cons

  • 30-day waiting period before coverage takes effect

  • Low maximum coverage limits

  • Low maximum deductible amounts

Basic coverages offered

Allstate offers the following coverages to protect your home, possessions, and other expenses due to flood damage.

  • Dwelling: Also known as building coverage, this is the portion of flood insurance that pays to rebuild or repair the structure of your home if it’s damaged by flooding. Allstate offers up to $250,000 in dwelling coverage.

  • Personal property: This is the portion of flood insurance that reimburses you for flood damage to personal belongings inside your home. Allstate allows for a maximum of $100,000 in personal property coverage.

If you get NFIP flood insurance with Allstate, the following additional coverages are also included in your base policy:

  • Debris removal: Covers the cost to remove debris after a covered flood.

  • Loss avoidance measures: Pays for mitigation services to fortify your home against flood damage.

  • Increased cost of compliance: Also known as ordinance or law coverage, this pays the extra cost of getting your home up to code after a covered flood loss.

  • Condominium loss assessments: Pays for your share of a loss assessment charged to you and other condo owners by your condominium association after a covered flood.

Ratings methodology

Price

4.5/5

Our price rating scale looks at the average cost of a standalone flood insurance policy with the carrier based on pricing data from the National Association of Insurance Commissioners (NAIC). Allstate earned a decent price rating thanks to the affordable average cost of NFIP flood insurance of $939.

Customer experience

3.9/5

Our customer experience scale uses customer complaint data from the National Association of Insurance Commissioners (NAIC). We also considered each company’s waiting period, which is the number of days before your flood insurance coverage takes effect after you purchase the policy. 

Allstate earned a solid score in this category thanks to its low number of customer complaints. There’s a 30-day waiting period if you purchase Allstate flood insurance without a mortgage requirement, so homeowners looking for last-minute flood insurance may want to look for an insurer with either a shorter waiting period or none at all. 

Coverage options

3.9/5

Our coverage options rating is based on both the quantity and quality of additional coverages and policy options offered by each company. It also takes the carrier’s coverage availability into consideration and whether it offers policies in flood-prone states like Florida, Texas, Louisiana, California, or New Jersey. 

Allstate’s main policy offering is NFIP flood insurance, which comes with a maximum dwelling and personal property coverage limit of $250,000 and $100,000, respectively. Allstate’s flood insurance offering also doesn’t include or even offer as an option several coverages you can often find through private flood insurance companies, including replacement cost reimbursements on damaged belongings, coverage for temporary living expenses, and more. But Allstate’s availability in every state and NFIP participating community, as well as its private flood insurance option through National General, helped keep its coverage rating respectable.

Financial strength

4.3/5

Our financial strength rating is based on the company’s AM Best rating — the industry-leading metric to measure a company’s financial strength and ability to pay out flood insurance claims. Allstate as a property insurance provider has an “A+” AM Best ratings and its NFIP policies are backed by the federal government, giving it one of our better financial strength ratings.

How much does Allstate flood insurance cost?

The average cost of a standalone flood insurance policy through the NFIP is $939 per year, according to our analysis of 2023 FEMA data. So this is around what you should expect to pay for flood insurance with Allstate.

However, your own rates will vary depending on factors like your home's flood zone, elevation, and how much coverage you need.

Allstate flood insurance state availability

Allstate flood insurance is available in all 50 U.S. states and Washington, D.C.

Compare flood insurance quotes with top insurers in minutes

Allstate NFIP flood insurance vs. National General Beyond Floods

Allstate may also offer you National General’s Beyond Floods private flood insurance policy — an alternative to its main policy from the National Flood Insurance Program. The NFIP’s low coverage limits, 30-day waiting period, and minimal available coverage add-ons have made private flood insurance an increasingly popular option.

Compare Allstate’s NFIP policy to National General’s Beyond Floods and decide which policy makes the most sense for you:

National General Beyond Floods

Allstate NFIP policy

Average annual cost

$1,136

$939

Maximum dwelling limit

$1.5 million

$250,000

Replacement cost dwelling

Included in base policy

Included

Replacement cost contents

Offered at an additional cost

Not offered

Loss of use 

Up to $150,000 in coverage available

Not offered

Debris removal 

Covered

Covered

Basement contents

Covered

Not covered

Waiting period

0 days in Florida and New Jersey, 7 days in all other states

30 days unless purchased for mortgage

Highest deductible option

$50,000

$10,000

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Learn more >> Private flood insurance vs. NFIP: Which is better?

What to expect with Allstate flood insurance

  • How to get a quote: You can get an Allstate flood insurance quote online through Policygenius or Allstate’s website.

  • Customer service options: Allstate’s website features an entire help center that can assist you with everything from account recovery to online registration to claims and general policy inquiries. While you should be able to find what you need through its contact page, you can also call Allstate’s general customer service number at 1-800-255-7828. 

  • How to file a claim: If you need to file a claim, Allstate recommends doing so through its online account portal. If you don’t have internet access or you’re not comfortable filing a claim online, you can also contact your Allstate agent or call 800-699-2214. 

  • How to cancel your policy: To cancel your Allstate policy, call your insurance agent, whose number should be listed on your policy declarations page.

Allstate vs. other flood insurance companies

Compare Allstate flood insurance to other insurers in the industry:

Company

Policygenius rating

AM Best rating

Cost

Allstate flood insurance

4.7/5

A+

$$$

Neptune

5.0/5

A

$$

Neptune flood insurance

5.0/5

A

$$

Palomar

5.0/5

A-

$$

Palomar flood insurance

5.0/5

A-

$$

Chubb

4.9/5

A++

$$$$$

Chubb flood insurance

4.9/5

A++

$$$$$

National General flood insurance

4.9/5

A+

$$$

Wright

4.9/5

A+

$

Wright flood insurance

4.9/5

A+

$

Allstate

4.7/5

A+

$$$

Homeowners of America

4.6/5

A

NA

Kin

4.4/5

NA

$

Kin flood insurance

4.4/5

NA

$

Universal North America

4.4/5

A-

$$

Frontline

4.1/5

A-

NA

Security First Insurance

3.3/5

NA

$

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Author

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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