How Much Should You Pay for Flood Insurance?

Use this tool to see how much you can save with private flood insurance.

Click to Get a Free Quote

Your Allstate Flood Insurance agent doesn’t really handle your flood coverage. They send your information over to an underwriter with the National Flood Insurance Program (NFIP).

That NFIP underwriter doesn’t care about saving you money. They just want to write your policy and move on to the next one. Your Allstate Agent doesn’t know enough about flood insurance to question the NFIP.

Too many people with Allstate Flood Insurance pay more for coverage than they would with private flood insurance. Flood Nerds save people from overpaying for flood insurance.

Find Out the Cost Difference Between Government and Private Flood Insurance

If you are reading this page, you probably need to save money and see if you can pay less for Allstate Flood Insurance. 

Allstate Flood Insurance, State Farm, Geico, Nationwide, and USAA are well-known insurance company names and they have a secret they don’t want you to know. But I’m about to spill the beans.

Not Private flood Insurance

Here it is – these companies sell flood insurance, but they don’t write the policy. They’ve had a non-compete agreement for many years with the NFIP. This keeps you locked into an expensive policy and thinking there is no other alternative for flood insurance. Heck, your local Allstate insurance agent may even believe this is true.

But this is a lie. There have been alternatives to national flood insurance since 2012. However, the government’s Write Your Own program discourages competition with the private insurance market, and this lock-out coupled with an uninformed Allstate insurance agent could keep you from getting better coverage or a better price for your flood insurance.

What works well for Allstate Flood Insurance might not work best for your budget. So use the lazy way to find the best price. Ask a Flood Nerd to shop for flood insurance. WE shop the true private flood insurance and the NFIP to get you a great price and an even better policy. You don’t need to do anything and we promise that we won’t try to sell you auto, life, or dental insurance.

Now you know the secret, click to get a Flood Nerd to find better coverage and a better premium.

Which is cheaper – the Allstate Flood Insurance you have through the NFIP or a policy through a private insurance company? 

Click to Get a Free Quote

How hard is it to click? It isn’t. But comparing the ins and outs of flood insurance can be confusing.  So, be lazy, and click to get a comparison. 

A Flood Nerd will figure out if the NFIP policy through Allstate is cheaper or if you can do better. 

See Flood Nerds look at things like distance from the flooding source, your foundation, the elevation of the home from the flooding source, and then of course coverage amounts, and deductibles. Then we give you a comprehensive quote and make sure you understand your coverage options.  With a Flood Nerd doing the work, you’ll get a customized option for your unique needs.

Stretch your budget and save the lazy way.

You have nothing to lose and money to save for just comparing coverages. 

Find out if you are paying too much for flood insurance. 

Get a Flood Nerd to compare what you pay for Allstate Flood Insurance with what you will pay for private flood insurance.  It just takes a few minutes to fill out our property information form. 

It’s not that hard to save money on flood insurance. We typically find flood insurance policies with premiums in the  $500 – $1500. 

You work hard, take a break, and save some money. Flood Nerds often save hundreds to thousands for our clients.

Just click!

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