California Flood Insurance

Even though flood insurance is relatively inexpensive, most homeowners do
not choose to purchase the insurance protection available. According to the
Federal Insurance Administration, less than one-quarter of the homes in areas
most vulnerable are insured against flood loss. In those areas, flooding is 24
times more likely to occur than a fire during the course of a typical 30 year
mortgage.

A standard homeowners insurance policy will not cover damages caused by
flooding. You must have flood insurance from an insurer that writes for the
National Flood Insurance Program. If your community participates in a
floodplain management program, you should be eligible to buy the coverage no
matter if your flood risk is low, medium or high. Residents of "coastal barrier
areas" and communities that do not participate in floodplain management
programs may have trouble finding flood insurance coverage. California flood
insurance is also available to renters, condominium owners, and co-op
owners.

Click here to fill out a

quote request form

We are a local Yolo County, CA insurance agency offering affordable California flood insurance
policy premiums in the following cities and counties: Davis, Woodland, West Sacramento,
Dixon, Winters, Sacramento, Elk Grove, North Highlands, Natomas, Antelope, Citrus Heights,
Fair Oaks, Carmichael, Roseville, Rocklin, Granite Bay, Folsom, El Dorado Hills, Lincoln,
Auburn, Vacaville, Fairfield, American Canyon, Vallejo, Benicia, Martinez, Antioch, Pittsburg,
Brentwood, Hercules, Concord, Pleasant Hill, Walnut Creek, Danville, San Ramon, Dublin,
Pleasanton, Livermore, Richmond, Berkeley, Emeryville, Oakland, Napa, San Rafael,
Petaluma, Rohnert Park, Novato, Los Altos, Palo Alto, Menlo Park, Mountain View,
Sunnyvale, Cupertino, Saratoga, Los Gatos, Campbell, Santa Clara, San Jose, Morgan Hill,
Milpitas, Fremont, Newark, Hayward, Pleasanton, San Francisco, Solano County, Napa
County, San Joaquin County, Contra Costa County, Alameda County, Santa Clara County,
San Mateo County, Marin County, San Francisco County, Colusa County, Placer County, El
Dorado County and Sacramento County, CA. We also offer California flood insurance services
throughout the Golden state, including in the San Pablo Bay and San Francisco Bay area.

Flood Perils Include:

Outside of fire, flooding is the most widespread natural disaster. According to
the National Flood Insurance Program, two adjacent properties have to be
under water to call the situation a flood. In a rural area, at least 2 acres must
be submerged.

The two primary types of California Flood Insurance policies are listed below.

Actual Cash Value Policy

The value of property as figured by determining the cost to replace the damaged or
destroyed property and adjusting the replacement value by subtracting an amount
that reflects depreciation. Or in other words, replacement cost minus
depreciation. Homeowners are entitled to a replacement cost value if they live in
their homes at least 80% of the time and have flood insurance coverage for at least
80% of their home's market value.

Commercial and apartment buildings will be covered only for actual cash value.

Replacement Value Policy

The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A California
flood insurance replacement value policy will pay only the replacement value up to
the coverage limit. For example, if rebuilding your home will cost $400,000, but you
only purchased $300,000 in coverage, your insurance policy will pay you only
$300,000.

Click on the link below to fill out a secure quote request form for a California Flood
Insurance policy that will provide excellent personal insurance coverage at an
affordable cost. Or you can speak with our California Flood Insurance specialist
locally at (530) 753-0700, (707) 434-1700 or (408) 226-7000 to discuss the
features.

Unusual & rapid accumulation of runoff or surface
waters from any source

Overflow of inland or tidal waters

Mud slides caused by flooding

The washing away, collapse, or subsiding of land
along the shoreline due to erosion or undermining
of waves or currents exceeding the cyclical levels

Sewer backup caused by flooding

To review the Federal Emergency Management Agency's
Flood Maps for your property...click HERE!

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.