Best Flood Insurance 2017

Protect your home or business from costly flood insurance damage. We give you the list of the best Flood Insurane companies in the country today.

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Flood insurance covers water damage to structures resulting from the rising of rivers, lakes, and oceans. When aggregating the combined risk associated with the Pacific, Atlantic, and Gulf coasts, as well as interior rivers and river deltas, nearly 40% of Americans have the potential to experience a flood.

This form of insurance is ideal for those in at-risk areas. Indeed standard policies assume this is where customers reside, and thus offer comprehensive coverage for buildings and possessions. If one inhabits a low-to-moderate-risk region, coverage is more flexible, allowing for itemization. In the case of comprehensive coverage, most companies will cover everything except vehicles.

When selecting a flood insurance policy, be sure to account for the type of structure in question. Condominiums, offices, houses, and apartments, for instance, all vary in terms of premiums and minimum/maximum coverage amounts. Also, some policies place exemptions on certain areas of the property. Basements, crawl-spaces, and other low-lying areas which are more susceptible to flooding are examples of these.

Before taking out a flood insurance plan, ensure that the minute details are as expected. Have the area limitations, as well as the minimum and maximum coverage amounts, been made clear? Can claims be made online? Is emergency support offered? If necessary, what is the cancellation policy?

Top 9 Companies

10 / 10
  • Quick Online Quotes
  • Mobile App
  • 24 hour customer support
  • Personal Property Calculator
  • 30 Day policy effectivity
State Farm
9.6 / 10
  • Online Account Management
  • State Farm Mobile app
  • Get Instant Quotes
  • 24 hour telephone claims
9.0 / 10
  • Mobile app
  • Quick online quotes
  • Online payments
  • 24/7 claims services
8.4 / 10
  • Instant Quotes
  • Personal Umbrella Insurance
  • 24/7 nationwide claims support
  • Online account management
The Hartford
8.1 / 10
  • Commercial and residential flood insurance
  • Online Calculator
  • More than 2 centuries of experience
  • Online Account Management
7.7 / 10
  • 24-hour assistance
  • 150 years of experience
  • Instant quotation
  • Quick claim process
  • Online account management
7.0 / 10
  • Online Quotes
  • Live Chat
  • 30-day policy effectivity
  • Telephone claims and assistance
  • More than a century of experience 
6.7 / 10
  • Covers commercial properties
  • Online self-quoting
  • Coverage for homes and businesses
  • 30 day policy effectivity
6.2 / 10
  • Online Account Management
  • Telephone support and claims
  • Insurance Quotation by states
  • Brand new belongings replacement
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Best Flood Insurance: Summed Up

RankCompany NameStrengths
1GeicoBest Overall
2State FarmCoverage & Protection, Limitations
3FarmersCustomer Support
4AllstateCoverage & Protection

How We Compare Flood Insurance

Select 2 flood insurance companies to compare
Coverage & Protection - 30%
Plan Details - 25%
Structures Covered - 20%
Limitations - 15%
Customer Support - 10%
Editor's Choice