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These expenses include temporary housing, food and lost income. Living expenses: Standard and Preferred Risk flood insurance policies underwritten through the NFIP do not cover living expenses when you are displaced from your house.Those living in a low- to moderate-risk area, designated with the letter X, B or C, can purchase a Preferred Risk Policy. Availability: You don’t have to live in a flood plain to purchase flood insurance.This fact means that you will pay the same amount for flood insurance no matter which company sells and services the policy. Government underwritten: FEMA and the NFIP underwrite all standard flood insurance policies.It provides flood insurance underwritten through the NFIP program.īecause flood insurance is a unique type of insurance to protect your personal property, you should keep these key facts and terms in mind when selecting a policy. USAA has been in business since 1922 and offers policies to United States armed service members, their spouses and children. It now offers several types of financial products and personal property insurance, including NFIP underwritten flood insurance. The Hartford was founded in Hartford, Conn. It has both NFIP flood insurance and excess flood insurance. It offers a wide variety of insurance policies and financial products. MetLife is part of the Metropolitan Property Casualty Insurance Company. Consumers can work with local agents for their policies. It now provides many types of personal property insurance, including NFIP and non-NFIP flood insurance.Įstablished in the late-1920s, Farmers Insurance provides life insurance, auto insurance and other personal property insurance, including NFIP-backed flood insurance. Consumers can get NFIP flood insurance through Amica.Īssurant Flood Solutions was established in LaCrosse Mutual Aid Association in 1892 and sold disability insurance. Today, the company offers some financial services and many types of insurance. Customers work with local agents to obtain policies.Īmica was established as a theft, auto and fire insurer in 1907. It offers a variety of personal property insurance policies, including NFIP underwritten flood insurance. The company works with the National Flood Insurance Program and American Bankers Insurance Company of Florida to offer flood insurance.Ĭhat with a ConsumerAffairs decision guideĪllstate is a publically-traded company headquartered in Illinois.