Flood Insurance in California
Flood damage can be devastating; most flood losses are not covered by standard home insurance, and federal assistance shouldn't be relied on. Applies to homes, condos, mobile homes, businesses and rentals in flood zone areas; dependent on flood zone risk.
Options: Building/contents/replacement cost coverages, different coverage options, standard flood insurance coverage, optional excess flood coverage, affordable rates.
Building coverage protects the structure and property items considered part of it (air conditioners, dishwashers, cabinets); consider personal property coverage too (furniture, clothing).
Contact staff at 800-400-9278 for questions.
Key coverage highlights
- Building & contents coverage
- NFIP and private market options
- Low-to-moderate risk zone pricing
- Required for many mortgages in flood zones
Common questions
Do I need flood insurance?
If you are in a FEMA flood zone or near waterways, flood insurance is often required by lenders and always recommended in California.