{"id":354766,"date":"2025-11-11T19:22:17","date_gmt":"2025-11-12T00:22:17","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=354766"},"modified":"2025-11-11T19:22:17","modified_gmt":"2025-11-12T00:22:17","slug":"best-flood-insurance-companies","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-flood-insurance-companies\/","title":{"rendered":"The Best Flood Insurance Companies"},"content":{"rendered":"\n<p>If you are thinking of purchasing <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">flood insurance<\/a>, we have rounded up some of the best flood insurance companies available today. We have chosen each insurance company based on its coverage, discounts available, ratings, price, and customer satisfaction.<\/p>\n\n\n\n<p>Flood risk is widespread and coverage remains limited nationwide. Recent consumer polling shows about 12% of U.S. homeowners report having a separate flood policy (<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.iii.org\/press-release\" target=\"_blank\">Insurance Information Institute<\/a>). Administrative data indicate roughly 4.7\u20134.8 million <a href=\"https:\/\/www.fema.gov\">NFIP policies are in force<\/a> nationally in 2025, and take\u2011up is highly uneven: around 30% in FEMA Special Flood Hazard Areas versus roughly 1\u20132% outside, per FEMA\u2019s <a href=\"https:\/\/www.fema.gov\">take\u2011up rate dataset<\/a>. For broader market context, the private flood segment has grown and now accounts for a meaningful minority of total flood premium (<a href=\"https:\/\/home.treasury.gov\">U.S. Treasury FIO 2024<\/a>). You can also review background facts from the <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-flood-insurance\" target=\"_blank\">Insurance Information Institute<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 8 Best Flood Insurance Companies<\/h2>\n\n\n\n<ul><li><strong><a href=\"#liberty\">Liberty Mutual<\/a><\/strong>: Best for Policy Discounts<\/li><li><strong><a href=\"#state\">State Farm<\/a><\/strong>: Best for Online Quotes<\/li><li><strong><a href=\"#allstate\">Allstate<\/a><\/strong>: Best for Policy Customization<\/li><li><strong><a href=\"#metlife\">Metlife<\/a><\/strong>: Best for Guaranteed Replacements&nbsp;<\/li><li><strong><a href=\"#geico\">GEICO<\/a><\/strong>: Best for Customer Satisfaction<\/li><li><strong><a href=\"#assurant\">Assurant<\/a><\/strong>: Best for Excess Coverage<\/li><li><strong><a href=\"#usaa\">USAA<\/a><\/strong>: Best for Military Members<\/li><li><strong><a href=\"#amica\">Amica<\/a><\/strong>: Best for Money-back Dividends<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td><br><\/td><td><strong>Policy Discounts Available<\/strong><\/td><td><strong>Customer satisfaction<\/strong><\/td><td><strong>BBB Rating<\/strong><\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/liberty-mutual-review\/\">Liberty Mutual<\/a><\/strong><\/td><td>Multi-policy bundling, automatic payments and paperless policy discounts (availability varies by state)<\/td><td>See recent trends in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 J.D. Power U.S. Property Claims Satisfaction Study<\/a><\/td><td>See company BBB profile for the latest status<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm<\/a><\/strong><\/td><td>Multi-policy, home safety\/alert, and other discounts (state-specific)<\/td><td>See recent trends in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 J.D. Power U.S. Property Claims Satisfaction Study<\/a><\/td><td>See company BBB profile for the latest status<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate<\/a><\/strong><\/td><td>Bundling, Easy Pay, claim\u2011free and other discounts (varies by state)<\/td><td>See recent trends in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 J.D. Power U.S. Property Claims Satisfaction Study<\/a><\/td><td>See company BBB profile for the latest status<\/td><\/tr><tr><td><strong>Metlife<\/strong><\/td><td>Brand note: MetLife\u2019s U.S. P&amp;C business was acquired and is now offered under Farmers; check current Farmers bundling and safety discounts<\/td><td>See recent trends in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 J.D. Power U.S. Property Claims Satisfaction Study<\/a><\/td><td>See company BBB profile for the latest status<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\">GEICO<\/a><\/strong><\/td><td>Bundle home\/auto, home security and alarm discounts (state-specific)<\/td><td>See recent trends in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 J.D. Power U.S. Property Claims Satisfaction Study<\/a><\/td><td>See company BBB profile for the latest status<\/td><\/tr><tr><td><strong>Assurant<\/strong><\/td><td>Options vary; private and excess flood available in many areas<\/td><td>See recent trends in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 J.D. Power U.S. Property Claims Satisfaction Study<\/a><\/td><td>See company BBB profile for the latest status<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA<\/a><\/strong><\/td><td>Bundling and affinity savings for eligible members<\/td><td>See recent trends in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 J.D. Power U.S. Property Claims Satisfaction Study<\/a><\/td><td>See company BBB profile for the latest status<\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/amica-review\/\">Amica<\/a><\/strong><\/td><td>Alarm system and loss\u2011prevention discounts; dividend options on some policies<\/td><td>See recent trends in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 J.D. Power U.S. Property Claims Satisfaction Study<\/a><\/td><td>See company BBB profile for the latest status<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>* Table information is summarized for convenience; verify current details using the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 J.D. Power Property Claims study<\/a>, the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>, and each carrier\u2019s public ratings disclosures (2025).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Liberty Mutual<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"liberty\" > <\/span>\n    \n\n\n\n                                                            \n            <section id=\"liberty-mutual\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Policy Discounts<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"_blank\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\"\n                        data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Liberty Mutual' data-tag-outcome='EXTERNALLINK'\n                        aria-label=\"Liberty Mutual button\" \n                        rel=\" sponsored\" >\n                                                    <img decoding=\"async\" src=\"\" alt=\"Image for \" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                Liberty Mutual\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                Liberty Mutual\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    target=\"_blank\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\" type=\"button\"\n                    data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Liberty Mutual' data-tag-outcome='EXTERNALLINK'\n\t\t\t\t\taria-label=\"Liberty Mutual button\"\n                    rel=\" sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Liberty Mutual offers homeowners and can place NFIP or private flood coverage depending on your address and risk profile. NFIP policies have standardized terms and limits, while private flood can add features like higher limits or additional living expense. Industry research finds claim cycle time and communication are key to satisfaction in property claims; overall sector results stabilized in 2024 (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">J.D. Power<\/a>).<\/p>\n\n\n\n<p> To learn more, read our <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/liberty-mutual-review\/\">review of Liberty Mutual<\/a>. <\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td> <strong>\u2713 Best For:  <\/strong><\/td><td><strong> \u2717 Not For: <\/strong><\/td><\/tr><tr><td> Multi\u2011policy savings and one\u2011stop placement of NFIP\/private flood <\/td><td> Those seeking guaranteed ALE under NFIP (NFIP excludes ALE) <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Confirm current Financial Strength on the insurer\u2019s ratings page; major national carriers generally hold A\u2013A+ level FSRs<\/li><li><strong>J.D. Power:<\/strong> See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 Property Claims Satisfaction Study<\/a><\/li><li><strong>Standard &amp; Poor:<\/strong> Verify current insurer financial strength on the carrier\u2019s site<\/li><li><strong>Moody\u2019s<\/strong>: Verify on the carrier\/agency site<\/li><li> <strong>BBB Rating:<\/strong> See company BBB profile (varies by state)<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"state\" > <\/span>\n    \n\n\n\n                                                            \n            <section id=\"state-farm\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Online Quotes<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\"\n                        data-tag='product' data-tag-outcome='MONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='331752' data-tag-product-name='State Farm' data-tag-brand='State Farm' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                        aria-label=\"State Farm button\" \n                        rel=\" sponsored\" >\n                                                    <img decoding=\"async\" src=\"\" alt=\"Image for \" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                State Farm\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                State Farm\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" type=\"button\"\n                    aria-label=\"State Farm button\" data-tag='product' data-tag-outcome='MONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='331752' data-tag-product-name='State Farm' data-tag-brand='State Farm' data-tag-price='0' data-tag-subscription='' data-tag-category='' \n                    rel=\" sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>State Farm is a national leader with broad agent distribution and online tools that make quoting straightforward. For flood, agents can place NFIP coverage or, in some locations, private flood alternatives. Sector research shows digital self\u2011service and clear communication are differentiators in claims, with satisfaction stabilizing in 2024 (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">J.D. Power<\/a>). Always review state\u2011level complaints via the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a> before you buy.<\/p>\n\n\n\n<p> For more details, read our full <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">review of State Farm<\/a>. <\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td> <strong>\u2713 Best For:<\/strong> <\/td><td> <strong>\u2717 Not For:<\/strong> <\/td><\/tr><tr><td> Robust agent support and easy online quoting <\/td><td> Highly specialized private flood endorsements not offered in all areas <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul><li><strong>AM Best:<\/strong> A++ (Superior) per company disclosure (<a href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\/financial-strength\">State Farm financial strength<\/a>)<\/li><li><strong>J.D. Power:<\/strong> See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 Property Claims<\/a><\/li><li><strong>Standard &amp; Poor:<\/strong> Verify on the insurer\u2019s ratings page<\/li><li><strong>Moody\u2019s<\/strong>: Verify on the insurer\/agency site<\/li><li><strong>BBB Rating: <\/strong>Check BBB profile for your location<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"allstate\" > <\/span>\n    \n\n\n\n                                                            \n            <section id=\"allstate\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Policy Customization<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"_blank\" href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\"\n                        data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='325257' data-tag-product-name='Allstate' data-tag-brand='Allstate' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                        aria-label=\"Allstate button\" \n                        rel=\"nofollow sponsored\" >\n                                                    <img decoding=\"async\" src=\"\" alt=\"Image for \" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                Allstate\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                Allstate\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"_blank\" href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" type=\"button\"\n                    aria-label=\"Allstate button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='325257' data-tag-product-name='Allstate' data-tag-brand='Allstate' data-tag-price='0' data-tag-subscription='' data-tag-category='' \n                    rel=\"nofollow sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Allstate offers national access and customization via endorsements and separate policies. Flood protection can be arranged through the NFIP (standardized terms) or private flood options where available. Because complaint experience varies by state and product, it\u2019s smart to review your state\u2019s recent complaint index before binding (<a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>).<\/p>\n\n\n\n<p> Read our full <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">review of Allstate<\/a> for more info. <\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td> <strong>\u2713 Best For:<\/strong> <\/td><td> <strong>\u2717 Not For:<\/strong> <\/td><\/tr><tr><td> Tailored coverages and endorsements <\/td><td> Buyers who need NFIP\u2011excluded items like ALE unless offered by a private flood option <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Verify current Financial Strength on the insurer\u2019s ratings page<\/li><li><strong>J.D. Power:<\/strong> See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 Property Claims<\/a><\/li><li><strong>Standard &amp; Poor:<\/strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.standardandpoors.com\/en_US\/web\/guest\/ratings\/entity\/-\/org-details\/sectorCode\/INS\/entityId\/102657\" target=\"_blank\"> <\/a>Confirm current rating on the insurer\/agency site<\/li><li><strong>Moody\u2019s<\/strong>: Verify on the insurer\/agency site<\/li><li><strong>BBB Rating: <\/strong>See company BBB profile<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Metlife<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"metlife\" > <\/span>\n    \n\n\n\n                                                            \n            <section id=\"metlife\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Guaranteed Replacements<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_Metlife&#038;rvitemid=337434-20\"\n                        data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='337434' data-tag-product-name='MetLife' data-tag-brand='MetLife' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                        aria-label=\"MetLife button\" \n                        rel=\" sponsored\" >\n                                                    <img decoding=\"async\" src=\"\" alt=\"Image for \" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                MetLife\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                MetLife\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_Metlife&#038;rvitemid=337434-20\" type=\"button\"\n                    aria-label=\"MetLife button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='337434' data-tag-product-name='MetLife' data-tag-brand='MetLife' data-tag-price='0' data-tag-subscription='' data-tag-category='' \n                    rel=\" sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Brand update: MetLife\u2019s U.S. property &amp; casualty business (including home) was acquired and rebranded under Farmers. New home and flood placements are typically serviced by Farmers agents and partners. For flood needs, you can secure NFIP coverage (standard $250,000 building\/$100,000 contents limits for 1\u20134 family homes) or explore private flood for higher limits and added features (<a href=\"https:\/\/www.floodsmart.gov\">NFIP cost and coverage<\/a>).<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td> <strong>\u2713 Best For: <\/strong><\/td><td> <strong>\u2717 Not For:<\/strong> <\/td><\/tr><tr><td> Transitioning customers who want continuity via Farmers\u2019 network <\/td><td> Shoppers expecting quotes directly from legacy MetLife portals <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul><li><strong>AM Best:<\/strong> See current ratings on the active carrier\u2019s (Farmers) ratings page<\/li><li> <strong>J.D. Power:<\/strong> See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 Property Claims<\/a><\/li><li><strong>Standard &amp; Poor:<\/strong> Verify on the active carrier\u2019s site<\/li><li><strong>Moody\u2019s<\/strong>: Verify on the active carrier\u2019s site<\/li><li><strong>BBB Rating:<a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.bbb.org\/us\/ny\/new-york\/profile\/insurance-companies\/metlife-inc-0121-345\" target=\"_blank\"> <\/a><\/strong>See current BBB profile for the active brand in your state<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">GEICO<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"geico\" > <\/span>\n    \n\n\n\n                                                            \n            <section id=\"geico-homeowners-insurance\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Customer Satisfaction<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_Geico&#038;rvitemid=338681-20\"\n                        data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='338681' data-tag-product-name='Geico Homeowners Insurance' data-tag-brand='Geico' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                        aria-label=\"Geico button\" \n                        rel=\" sponsored\" >\n                                                    <img decoding=\"async\" src=\"\" alt=\"Image for \" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                Geico\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                Geico Homeowners Insurance\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_Geico&#038;rvitemid=338681-20\" type=\"button\"\n                    aria-label=\"Geico button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='338681' data-tag-product-name='Geico Homeowners Insurance' data-tag-brand='Geico' data-tag-price='0' data-tag-subscription='' data-tag-category='' \n                    rel=\" sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>GEICO can facilitate NFIP flood policies and, in some areas, access to private flood coverage. To help manage costs on bundled policies, many carriers offer savings for home security, paperless billing, or multi\u2011policy bundles. Private flood has expanded in recent years, giving more choice alongside the NFIP (<a href=\"https:\/\/content.naic.org\/cipr-topics\/flood-insurance\">NAIC CIPR<\/a>).<\/p>\n\n\n\n<p> Read our full <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\">review of GEICO<\/a> to learn more. <\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td> <strong>\u2713 Best For:<\/strong> <\/td><td> <strong>\u2717 Not For:<\/strong> <\/td><\/tr><tr><td> Streamlined access to NFIP policies and bundling opportunities <\/td><td> Buyers who require custom private flood features in states where they\u2019re unavailable <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Verify current Financial Strength on the insurer\u2019s ratings page<\/li><li><strong>J.D. Power:<\/strong> See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 Property Claims<\/a><\/li><li> <strong>Standard &amp; Poor:<\/strong> Confirm on the insurer\/agency site <\/li><li><strong>Moody\u2019s<\/strong>: Confirm on the insurer\/agency site<\/li><li><strong>BBB Rating: <\/strong>See company BBB profile<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Assurant<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"assurant\" > <\/span>\n    \n\n\n\n                                                            \n            <section id=\"assurant\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Excess Coverage<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\"\n                        data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Assurant' data-tag-outcome='EXTERNALLINK'\n                        aria-label=\"Assurant button\" \n                        rel=\" sponsored\" >\n                                                    <img decoding=\"async\" src=\"\" alt=\"Image for \" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                Assurant\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                Assurant\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\" type=\"button\"\n                    data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='LISTCARD_Assurant' data-tag-outcome='EXTERNALLINK'\n\t\t\t\t\taria-label=\"Assurant button\"\n                    rel=\" sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Assurant supports both NFIP placement and private\/excess flood options in many markets. Private flood\u2019s growth is supported by better modeling and broader lender acceptance, giving consumers alternatives when they need higher limits or features like ALE (<a href=\"https:\/\/content.naic.org\/cipr-topics\/flood-insurance\">NAIC<\/a>; <a href=\"https:\/\/home.treasury.gov\">FIO 2024<\/a>).<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td> <strong>\u2713 Best For:<\/strong> <\/td><td> <strong>\u2717 Not For:<\/strong> <\/td><\/tr><tr><td> Excess or higher\u2011limit flood alongside NFIP <\/td><td> Shoppers who require full pricing detail without a quote <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Confirm current rating on the insurer\u2019s site<\/li><li><strong>J.D. Power:<\/strong> Not rank\u2011eligible for many studies; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 Property Claims<\/a> for market context<\/li><li><strong>Standard &amp; Poor:<\/strong><a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.standardandpoors.com\/en_US\/web\/guest\/ratings\/entity\/-\/org-details\/sectorCode\/INS\/entityId\/118858\" target=\"_blank\"> <\/a>Verify current rating<\/li><li><strong>Moody\u2019s<\/strong>: Verify on insurer\/agency site<\/li><li><strong>BBB Rating: <\/strong>See company BBB profile<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"usaa\" > <\/span>\n    \n\n\n\n                                                            \n            <section id=\"usaa\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Military Members<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"_blank\" href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=ba4a59e5-6b64-46d7-ae32-e088c663d535\"\n                        data-tag='product' data-tag-outcome='MONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='325264' data-tag-product-name='USAA' data-tag-brand='USAA' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                        aria-label=\"USAA button\" \n                        rel=\"nofollow sponsored\" >\n                                                    <img decoding=\"async\" src=\"\" alt=\"Image for \" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                USAA\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                USAA\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"_blank\" href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=ba4a59e5-6b64-46d7-ae32-e088c663d535\" type=\"button\"\n                    aria-label=\"USAA button\" data-tag='product' data-tag-outcome='MONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='325264' data-tag-product-name='USAA' data-tag-brand='USAA' data-tag-price='0' data-tag-subscription='' data-tag-category='' \n                    rel=\"nofollow sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>USAA serves eligible military members and families, with strong financial strength and service indicators. Flood coverage can be placed through the NFIP or via private flood where available. NFIP pricing now uses Risk Rating 2.0, which varies premiums by property\u2011specific risk rather than broad zones (<a href=\"https:\/\/crsreports.congress.gov\/product\/pdf\/R\/R44593\">CRS NFIP overview<\/a>). <\/p>\n\n\n\n<p> Read the full <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">review of USAA<\/a> to get all the details. <\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td> <strong>\u2713 Best For:<\/strong> <\/td><td> <strong>\u2717 Not For:<\/strong> <\/td><\/tr><tr><td> Military households wanting to bundle with one provider <\/td><td> Ineligible customers (non\u2011military) <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul><li><strong>AM Best:<\/strong> A++ (Superior) per company disclosure (<a href=\"https:\/\/www.usaa.com\">USAA financial strength<\/a>)<\/li><li><strong>J.D. Power:<\/strong> Often scores highly but not rank\u2011eligible due to membership limits; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 Property Claims<\/a><\/li><li><strong>Standard &amp; Poor:<\/strong> Verify on the company\u2019s ratings page<\/li><li><strong>Moody\u2019s<\/strong>: Verify on the company\u2019s ratings page<\/li><li><strong>BBB Rating: <\/strong>See BBB profile<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Amica<\/h2>\n\n\n\n            <span class=\"b-anchor\" id=\"amica\" > <\/span>\n    \n\n\n\n                                                            \n            <section id=\"amica\"\n         class=\"block b-item-list-card b-item-list-card--\"\n         data-js=\"block-item-list-card\"\n         data-preamp=\"block-item-list-card\">\n\n        <div class=\"b-item-list-card__card\">\n\n                <div class=\"b-item-list-card__card__left\">\n\n            <div class=\"b-item-list-card__card__left__top\">\n                <span class=\"b-item-list-card__card__left__top--top\">Best for<\/span>\n                <span class=\"b-item-list-card__card__left__top--top\"> Money-back Dividends<\/span>\n            <\/div>\n\n            <div class=\"b-item-list-card__card__left__bottom\">\n                                                    <a target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=323259-20\"\n                        data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='323259' data-tag-product-name='Amica' data-tag-brand='Amica' data-tag-price='0' data-tag-subscription='' data-tag-category=''\n                        aria-label=\"Amica button\" \n                        rel=\" sponsored\" >\n                                                    <img decoding=\"async\" src=\"\" alt=\"Image for \" \/>\n                                            <\/a>\n                            <\/div>\n\n        <\/div>\n\n                <div class=\"b-item-list-card__card__right\">\n            <div class=\"b-item-list-card__card__right__top\n                        b-item-list-card__card__right__top--line\">\n                Amica\n            <\/div>\n\n            <br>\n            <div class=\"b-item-list-card__card__right__topv2\" >\n                Amica\n            <\/div>\n            <br>\n\n           <div class=\"b-item-list-card__card__right__middle\">\n                                        <a class=\"reviews-btn--primary reviews-btn--large reviews-btn--expand\"\n                    disable-tagular\n                    target=\"\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=323259-20\" type=\"button\"\n                    aria-label=\"Amica button\" data-tag='product' data-tag-outcome='NOTMONETIZABLE' data-tag-location='LISTCARD' data-tag-product-id='323259' data-tag-product-name='Amica' data-tag-brand='Amica' data-tag-price='0' data-tag-subscription='' data-tag-category='' \n                    rel=\" sponsored\"\n                >\n                Compare rates<\/a>\n                        <\/div>\n\n            <div class=\"b-item-list-card__card__right__bottomv2 h-margin-top-15\">\n                \n            <\/div>\n\n        <\/div>\n    <\/div>\n\n        \n      <div class=\"grid-x\">\n        <a href=\"#\" class=\"b-item-list-card__footer cell back_to_top\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='LISTCARD' data-tag-outcome='INTERNALLINK' >\n            <p>Return to top\n                <img decoding=\"async\" class=\"b-item-list-card__footer-image lazyload\" alt='Return to top arrow' style=\"height: 20px; margin-left: 5px;\"\n                data-src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/Arrow.svg\" src=\"https:\/\/www.reviews.com\/wp-content\/themes\/reviews-2020\/assets\/images\/LightGray-placeholder.png\">\n            <\/p>\n        <\/a>\n    <\/div>\n<\/section>\n\n    \n\n\n<p>Amica is known for strong service and dividend policy options on certain home policies. For flood, Amica can place NFIP coverage and may offer private flood solutions through partners where available. As with any insurer, check state\u2011specific complaint experience before purchase (<a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>).<\/p>\n\n\n\n<p> If you\u2019d like to read more about this unique provider, read our full <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/amica-review\/\">review of Amica<\/a>. <\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td> <strong>\u2713 Best For:<\/strong> <\/td><td> <strong>\u2717 Not For:<\/strong> <\/td><\/tr><tr><td> Dividend options and attentive service <\/td><td> Buyers who need higher limits\/ALE not available under the NFIP <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul><li><strong>AM Best:<\/strong> Verify current Financial Strength on the insurer\u2019s ratings page<\/li><li><strong>J.D. Power:<\/strong> See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 Property Claims<\/a><\/li><li><strong>Standard &amp; Poor:<\/strong> N\/A<\/li><li><strong>Moody\u2019s<\/strong>: N\/A<\/li><li><strong>BBB Rating: <\/strong>See BBB profile<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How We Chose the Best Flood Insurance Companies<\/h2>\n\n\n\n<p><em>We emphasized financial strength (e.g., AM Best disclosures such as <a href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\/financial-strength\">State Farm A++<\/a> and <a href=\"https:\/\/www.usaa.com\">USAA A++<\/a>), recent customer experience research (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">J.D. Power 2024 Property Claims<\/a>), complaint context by state (<a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>), and availability\/value of NFIP vs. private flood options (<a href=\"https:\/\/crsreports.congress.gov\/product\/pdf\/R\/R44593\">CRS NFIP overview<\/a>; <a href=\"https:\/\/home.treasury.gov\">FIO 2024<\/a>).<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Flood Insurance works<\/h2>\n\n\n\n<p>Most homeowners insurance excludes flood. Flood insurance is separate and covers direct physical loss by flood as defined in the Standard Flood Insurance Policy (SFIP) or in a private flood contract (<a href=\"https:\/\/www.floodsmart.gov\">NFIP what is covered<\/a>).<\/p>\n\n\n\n<p>Most residential policies are placed through the <a href=\"https:\/\/www.fema.gov\">National Flood Insurance Program<\/a> (NFIP). Under NFIP limits for one\u2011to\u2011four family residences, you can insure up to $250,000 for the building and up to $100,000 for contents; other residential and non\u2011residential buildings have higher building limits per statute (<a href=\"https:\/\/www.floodsmart.gov\">NFIP cost and coverage<\/a>; <a href=\"https:\/\/uscode.house.gov\/view.xhtml?req=(title:42%20section:4013%20edition:prelim)\">42 U.S.C. \u00a74013<\/a>).<\/p>\n\n\n\n<p>Key NFIP features and limitations: there is a standard 30\u2011day waiting period before coverage takes effect (exceptions apply), additional living expenses are excluded, and basement coverage is limited to specified items. Increased Cost of Compliance (ICC) can provide up to $30,000 toward eligible mitigation after substantial damage (<a href=\"https:\/\/www.floodsmart.gov\">NFIP waiting period<\/a>; <a href=\"https:\/\/www.floodsmart.gov\">coverage summary<\/a>; <a href=\"https:\/\/www.fema.gov\">ICC<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do You Need Flood Insurance?<\/h2>\n\n\n\n<p>Coverage gaps remain large: only about 12% of homeowners report having flood insurance, ~4.7\u20134.8 million NFIP policies are in force, and take\u2011up averages ~30% in high\u2011risk SFHAs vs ~1\u20132% elsewhere (<a href=\"https:\/\/www.iii.org\/press-release\">Triple\u2011I 2024<\/a>; <a href=\"https:\/\/www.fema.gov\">OpenFEMA policies in force<\/a>; <a href=\"https:\/\/www.fema.gov\">FEMA take\u2011up rate<\/a>). Many U.S. flood claims arise outside mapped high\u2011risk zones, which surprises uninsured households.<\/p>\n\n\n\n<p>Looking ahead, coastal and inland flood pressures are expected to intensify. NOAA projects about 10\u201312 inches of additional U.S. sea\u2011level rise by 2050 (relative to 2000), driving a several\u2011fold increase in high\u2011tide flooding frequency at many sites (<a href=\"https:\/\/oceanservice.noaa.gov\/hazards\/sealevelrise\/sealevelrise-tech-report.html\">NOAA technical guidance<\/a>). Global assessments also report frequent, costly flood disasters in recent years (<a href=\"https:\/\/www.munichre.com\">Munich Re nat cat review<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who Should Get Flood Insurance?<\/h3>\n\n\n\n<ul><li><strong>You live in a flood-prone area<\/strong>. Lenders typically require flood insurance in SFHAs for federally backed\/regulated mortgages. Even outside SFHAs, consider coverage given low take\u2011up and persistent risk (<a href=\"https:\/\/www.fema.gov\">FEMA take\u2011up<\/a>).<\/li><li><strong>If your home is worth more than the NFIP limit<\/strong>. NFIP caps for a 1\u20134 family home are $250,000 building and $100,000 contents; consider private or excess flood for higher limits (<a href=\"https:\/\/www.floodsmart.gov\">NFIP limits<\/a>).<\/li><li><strong>Those who would struggle to pay for damages.<\/strong> Floods are among the most frequent and disruptive disasters; insurance can provide essential liquidity after an event (<a href=\"https:\/\/www.undrr.org\/publication\/2023-disasters-numbers\">CRED\/UNDRR<\/a>).<\/li><li><strong>Those whose homeowners insurance doesn\u2019t cover floods.<\/strong> Standard home policies exclude flood; verify your coverage and add NFIP or private flood as needed (<a href=\"https:\/\/www.floodsmart.gov\">NFIP coverage<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Shopping For Flood Insurance<\/h2>\n\n\n\n<p>When shopping for flood insurance, these are some of the things you should consider with your flood insurance policy:<\/p>\n\n\n\n<ul><li><strong>Building coverage limit<\/strong>: How much flood insurance do I need? The NFIP cap is $250,000 for a 1\u20134 family residence; other residential and non\u2011residential buildings can be insured up to $500,000. If your reconstruction cost exceeds these limits, compare private or excess flood options (<a href=\"https:\/\/www.floodsmart.gov\">NFIP cost &amp; coverage<\/a>; <a href=\"https:\/\/uscode.house.gov\/view.xhtml?req=(title:42%20section:4013%20edition:prelim)\">42 U.S.C. \u00a74013<\/a>).&nbsp;<\/li><li><strong>Contents coverage<\/strong>: NFIP offers up to $100,000 for contents in a 1\u20134 family residence. Building and contents have separate limits and deductibles (<a href=\"https:\/\/www.floodsmart.gov\">What is covered<\/a>).<\/li><li><strong>Loss of use coverage<\/strong>: The NFIP does not cover Additional Living Expenses (ALE). If you want coverage for temporary housing after a covered flood, compare private flood policies that may include ALE or offer it as an add\u2011on.&nbsp;<\/li><li><strong>Replacement costs<\/strong>: NFIP building losses for a single\u2011family primary residence may be settled at replacement cost if insured to at least 80% of replacement cost or to the maximum available limit; contents are paid at actual cash value under the SFIP (<a href=\"https:\/\/www.ecfr.gov\/current\/title-44\/part-61\/appendix-Appendix%20A(1)%20to%20Part%2061\">SFIP<\/a>).<\/li><li><strong>Waiting period and timing<\/strong>: NFIP coverage typically starts after a 30\u2011day waiting period (exceptions for certain loan transactions and recent map changes). Private policies may differ\u2014confirm before storms (<a href=\"https:\/\/www.floodsmart.gov\">NFIP waiting period<\/a>).<\/li><li><strong>Use Elevation Certificates and documentation<\/strong>: Elevation Certificates aren\u2019t required for NFIP Risk Rating 2.0, but if favorable, submitting one may help the premium. Provide accurate first\u2011floor height, foundation type, and photos (<a href=\"https:\/\/www.fema.gov\">NFIP RR2.0 guidance<\/a>).<\/li><li><strong>Community Rating System (CRS) discounts<\/strong>: If your community participates in CRS, you may receive up to a 45% discount on NFIP premiums. Ask your agent or community official about your CRS class (<a href=\"https:\/\/www.fema.gov\">FEMA CRS<\/a>).<\/li><li><strong>Mitigation and ICC<\/strong>: Consider elevating utilities, adding flood vents, or installing backflow valves. NFIP\u2019s ICC can contribute up to $30,000 toward eligible mitigation after qualifying damage (<a href=\"https:\/\/www.fema.gov\">ICC<\/a>).<\/li><li><strong>Verify lender acceptance<\/strong>: If flood insurance is required, ensure any private policy meets lender\/regulatory standards; your lender\/agent can confirm (<a href=\"https:\/\/content.naic.org\">NAIC consumer guidance<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">FAQs<\/h2>\n\n\n<div id=\"block_5f7494030b8f8\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is flood insurance included in my homeowners\u2019 policy?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Most basic homeowners insurance does not cover flooding, and you may need to take out additional coverage specifically for flood damage. Review what flood policies do and don\u2019t cover before you buy. <\/span><a href=\"https:\/\/www.floodsmart.gov\">NFIP coverage details<\/a><span style=\"font-weight: 400;\"> explain building vs. contents, basement limits, and common exclusions (such as Additional Living Expenses).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f7494140b8f9\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can renters purchase flood insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Renters can purchase a flood insurance policy that provides contents (personal belongings) coverage \u2014 under the NFIP, up to $100,000. This can be used to replace things like furniture and electronics. <\/span><a href=\"https:\/\/www.floodsmart.gov\">NFIP cost &amp; coverage<\/a><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f7494230b8fa\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best flood insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The best option depends on your address, building value, and coverage needs. Compare standardized NFIP policies (available via many carriers) with private flood alternatives that may offer higher limits or ALE. Check recent claim experience trends (<\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">J.D. Power 2024 Property Claims<\/a><span style=\"font-weight: 400;\">) and your state\u2019s complaint index (<\/span><a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a><span style=\"font-weight: 400;\">) before you buy.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f74943d0b8fc\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is flood insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Pricing varies widely under Risk Rating 2.0 based on property-specific risk (e.g., first-floor height, distance to water). A useful benchmark is that the average NFIP premium has hovered around roughly $1,000 annually in recent years (pre-fees), with significant state-level variation. Compare NFIP and private quotes for your address. See the <\/span><a href=\"https:\/\/crsreports.congress.gov\/product\/pdf\/R\/R44593\">CRS NFIP overview<\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.floodsmart.gov\">NFIP cost &amp; coverage<\/a><span style=\"font-weight: 400;\"> pages for program context.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f7494520b8fd\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is it worth getting flood insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes if a flood would be financially disruptive \u2014 even outside mapped high\u2011risk zones. Take\u2011up averages about 30% in SFHAs and roughly 1\u20132% elsewhere, leaving many exposed. Floods remain among the most frequent and costly disasters, and coastal high\u2011tide flooding is projected to increase markedly by 2050. See <\/span><a href=\"https:\/\/www.fema.gov\">FEMA take-up data<\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/oceanservice.noaa.gov\/hazards\/sealevelrise\/sealevelrise-tech-report.html\">NOAA sea-level guidance<\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.munichre.com\">Munich Re catastrophe review<\/a><span style=\"font-weight: 400;\"> for context.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f7494610b8fe\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can you shop around for flood insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes. NFIP policies are sold by many carriers (Write\u2011Your\u2011Own) with standardized terms, and the private market has expanded alongside improved modeling and broader lender acceptance. Compare limits, basement sublimits, ALE (NFIP excludes it), settlement basis, deductibles, and waiting periods. See <\/span><a href=\"https:\/\/content.naic.org\">NAIC flood insurance brief<\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/home.treasury.gov\">FIO 2024 report<\/a><span style=\"font-weight: 400;\"> for market trends.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>If you are thinking of purchasing flood insurance, we have rounded up some of the best flood insurance companies available today. We have chosen each insurance company based on its coverage, discounts available, ratings, price, and customer satisfaction. Flood risk is widespread and coverage remains limited nationwide. Recent consumer polling shows about 12% of U.S. [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354784,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Flood Insurance Companies - Reviews.com<\/title>\n<meta name=\"description\" content=\"Only about one in six homeowners carries a flood insurance policy. 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