Compare flood insurance options from NFIP and private carriers. Protect your home and belongings from flood damage.
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All Flood Providers (5)
💧 Chubb
★ 4.5/5.0
$480 - $1400
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ NFIP options
- ✓ Private coverage
- ✓ Fast processing
PROS
- • Excess flood coverage available up to $15 million on dwelling (per Chubb Masterpiece materials), vastly exceeding NFIP's $250,000 cap for high-value homes
- • AM Best A++ (Superior) financial strength rating, among the highest in the P&C industry, important given catastrophic flood loss exposure
CONS
- • Underwriting is strongly oriented toward high-value homes (Masterpiece program typically targets dwellings $1M+), making Chubb inaccessible or uncompetitive for average-priced homes
- • Premiums are generally higher than NFIP and mass-market private flood carriers like Neptune or Wright, reflecting the broader coverage and high-end target market
💧 AIG
★ 4.3999999999999995/5.0
$460 - $1350
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ NFIP options
- ✓ Private coverage
- ✓ Fast processing
PROS
- • Private Client Group offers excess flood and primary private flood coverage with limits far exceeding the NFIP's $250,000 dwelling / $100,000 contents caps, suitable for high-value homes
- • Coverage typically includes replacement cost on contents and additional living expenses (ALE) — benefits NFIP policies generally do not include
CONS
- • Private Client flood coverage is generally underwritten for high-value homes and is not broadly marketed to mainstream/middle-market buyers — many ZIP codes and home values won't qualify
- • AIG sold its personal lines business to American Financial Group's Crestbrook in late 2023 (renamed Private Client Select), so 'AIG-branded' personal flood policies may now be issued or serviced by a separate entity, creating brand/servicing confusion
💧 Allstate
★ 4.3/5.0
$440 - $1300
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ NFIP options
- ✓ Private coverage
- ✓ Fast processing
PROS
- • Multiple carriers
- • NFIP options
CONS
- • Waiting period
- • Limited coverage
💧 State Farm
★ 4.199999999999999/5.0
$420 - $1250
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ NFIP options
- ✓ Private coverage
- ✓ Fast processing
PROS
- • Multiple carriers
- • NFIP options
CONS
- • Waiting period
- • Limited coverage
💧 NFIP
★ 4.1/5.0
$400 - $1200
Coverage Types:
Deductible: $500-$5000
Key Features:
- ✓ NFIP options
- ✓ Private coverage
- ✓ Fast processing
PROS
- • Multiple carriers
- • NFIP options
CONS
- • Waiting period
- • Limited coverage
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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