Flood Insurance

Protect your home and belongings if they are damaged in a flood.

We compare coverage options from our trusted partners.

What is Flood Insurance?

Protect What You Love

A flood insurance policy can help cover the costs to rebuild or repair your home and pay you the actual cash value of your personal items.

More Than Homeowners

Standard homeowners policies do not typically cover floods. In certain states prone to flooding, or if you own a home on land that is at high risk of flooding, you may be required to have flood insurance.

Customize Your Coverages

InsureOnline.com can help you shop flood insurance policies to find one that makes sense for you.

Whats Covered?

Flood insurance protects both the building and the belongings inside.
It does not provide protection for the land the property is on.

Building Coverage

Foundation and Structure

Electrical/Plumbing Systems

Detached Garages

Appliances

Air Conditioning Equipment, Furnaces, and Water Heaters

Permanently Installed Carpeting over Unfinished Flooring

Belongings Covered

Clothing

Furniture

Portable Appliances

Debris Removal

Window Blinds

Electronics

Flood insurance is generally available to people in communities who participate in the National Flood Insurance Program (NFIP). The NFIP typically offers up to $250,000 in coverage for your home's structure and up to $100,000 for your belongings. However, if your home has a high property value, we can help you find a policy with a private flood insurer.

What Does Flood Insurance Not
Cover?

Whether your policy is from the NFIP or InsureOnline.com, the following exclusions may apply:

Moisture/mildew damage that is deemed prevemtable by the homeowner
Swimming pools,pations, decks, and hot tubs
Cash and Jewelry
Fences, landscaping, wells and septic systems, and other outdoor property
Motor Vehicles, including recreation vehicles

Factors That Can Potentially
Impact Your Rate

Location

Where the structure is located will impact rates, including the elevation of your property relative to the base flood elevation.

Flood Risk

Areas prone to flooding may see higher premiums than those who are not prone to flooding.

Age And Design

Older structures and newer structures may cost more to insure.

Coverage Options on Policies

The amount of coverage and deductible you elect will impact your premium.

Personal Property Costs

Your personal belongings stored in the structure will impact the premium. A high value on property and belongings may mean a higher rate.

See Your Rate

New To Flood Insurance?
Here is What to Expect

Do I Need Flood Insurance?

If you live in a flood zone or area prone to flooding, you may be required to have flood insurance.

For those not required to have it, it is a great product to provide peace of mind in case of a flood disaster.

Discounts and
Savings

Here are some ways to save on flood insurance:

Elect a higher deductible
Elevate your property
Install flood openings
Submit an Elevation Certificate
And more!

Flood Insurance
Matters

Standard homeowners policies do not cover again loss from floods. Your property was a large financial investment and it's worth protecting, especially if flooding is a risk in your area.

Our licensed insurance agents will discuss available options and discounts during your auto quote. Call today for a free quote.

Call an Agent

Flood Insurance FAQ

How can I prevent flood damage

There are many ways to prevent flood damage:

Install a sump pump system
Raise appliances above the base flood elevation
Install backflow valves to manage water flow
Install Flood barriers at entrances and exits

How much can flood insurance cost annually?

Many factors go into consideration. Our licensed insurance agents can help you shop rates and see what's available to you.

I don't live in a flood zone. Do I need insurance?

Floods are a common phenomenon. Heavy rainfall, hurricanes, melting snows, and bad drainage can all lead to floods.

Is flood insurance available in my state?

We can help people in Illinois, Indiana, and Texas shop for flood insurance. More states are coming in the future.

See All FAQ

Protecting Customers Since 1980

Read what customers are saying about our service.

Nick was so helpful. I needed an extra day to complete everything and Nick gave me his direct line and kept me paperwork @ his desk so I could keep dealing with him until the end. He made my first time experience with First Chicago excellent!! Thanks Nick and First Chicago!! 😁😁

Angela S.

Nick helped me get an affordable policy with roadside assistance in less than 10 minutes! This was the easiest process I have ever had while purchasing anything. There is also an app you can download which makes everything even more convenient.

D E.

I spoke with Crystal Thomas today and I was very very pleased with the service she provided. She needs a raise at this point. Loved the experience and went above and beyond to help with further questions that had nothing to do with the point of the call.

Jerri B.

Nick was very thorough, friendly and answered any questions that I had pertaining to my insurance policy. Customer service was A1. Thank you Nick.

Candace B.

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