Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Lowdown

  • Assurant offers flood insurance through the National Flood Insurance Program (NFIP), private residential coverage, and private commercial coverage
  • Assurant flood insurance covers virtually anything on your property that was damaged as a direct result of a flood
  • Assurant flood insurance rates will vary based on a number of factors

If you are in the market for flood insurance, you may be interested in Assurant flood insurance options. Assurant insurance is available in several U.S. states and is also available in Canada, Puerto Rico, Peru, Argentina, Brazil, Chile, Colombia, Mexico, and several areas in Europe.

For some people, flood insurance can be an add-on to one of the best home insurance policies in your state. But if Assurant flood insurance is offered in your area, you may want to look into the perks of having Assurant insurance for your coverage.

But you should still shop around for coverage before making any final decisions on home and flood insurance options. Shopping around and comparing quotes online will help you ensure you don’t end up overpaying for flood insurance for your home.

Be sure to use our free quote tool above to find and compare flood insurance companies and options near you today.

What is Assurant flood insurance?

Assurant offers a flood protection and support plan to people in certain states and areas in the U.S. and internationally. Assurant currently offers flood insurance through the National Flood Insurance Program (NFIP) and has done so for over 30 years.

Assurant is currently the second-largest flood insurance carrier in the United States. The company states that climate change, flood reform, and changes to the NFIP over the past few decades have necessitated Assurant’s expansion into the private sector of flood insurance coverage options.

When it comes to flood insurance coverage, Assurant’s flood protection includes options for:

  • Public NFIP plans
  • Private residential flood plans
  • Private commercial flood plans
  • Add-ons for flood coverage with home insurance

Depending on what you are looking for when it comes to flood insurance, you may be most interested in an NFIP plan or a private residential flood plan with Assurant.

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What does Assurant flood insurance cover?

In essence, flood insurance will typically cover losses that are a direct result of flooding. This will often be boiled down to whether the excess of water on land that is normally dry affected your home or other property.

Some examples of what flood insurance will cover include:

  • Electrical systems
  • Plumbing systems
  • Furnaces
  • Water heaters
  • Refrigerators, stoves, and built-in appliances
  • Carpeting
  • Cabinets, paneling, and bookcases
  • Windows and blinds
  • Foundation
  • Staircases
  • Garages (attached and detached)
  • Fuel tanks
  • Well water tanks and pumps
  • Solar equipment

Though a lot can potentially be covered by flood insurance, it matters how these items or pieces of equipment were damaged. For example, your flood insurance will cover sewage backup if the backup was directly caused by flooding. But if your sewer has backed up for another reason, your flood insurance will not help you.

You may find that flood insurance is offered as one of the parts of a home insurance policy. But this will depend on individual companies and levels of coverage.

In order to find a flood insurance plan that works best for you, you should shop around and compare rates and coverage options. Be sure to read the fine print and familiarize yourself with company reviews to see whether an insurance company regularly covers claims without a lot of hassle.

How much is Assurant flood insurance?

Your best bet for knowing how much flood insurance will cost is to get quotes from Assurant and other companies based on your specific information. Because insurance companies base rates on a variety of factors, you’ll never truly know how much you will pay for coverage until you offer the company more information about yourself.

While the average cost for flood insurance in the U.S. is around $700 per year, your actual monthly rates could be impacted by factors such as:

  • Whether you live in a flood zone
  • How much property is to be covered
  • The deductible amount you choose
  • The location of your home or building
  • The age of your home or building
  • Your home or building’s contents

An insurance company will assess your level of risk based on these questions and then ascribe to you a monthly insurance rate. If you believe you should not be paying so much for your flood insurance coverage, you can shop around and compare rates from other companies to see if cheaper flood insurance rates are available.

Does Assurant have good ratings and reviews?

Assurant has an A (excellent) financial strength rating with A.M. Best and a stable outlook for the future. This should help you feel confident that, if you do choose Assurant for your flood insurance needs, the company will be able to help you in the event that you ever need to file a claim.

Flood insurance with Assurant may be a good idea for you and your family, but you won’t know for sure unless you compare rates and coverages with other companies that offer coverage in your area. Be sure to compare quotes to see how much individual companies would plan to charge, and ask questions if there’s anything you don’t understand.

Don’t forget to use our free quote tool below to find and compare rates from top-rated companies that offer flood insurance in your area.