We specialize in flood insurance needs for the Sacramento area to help protect you and your family.
Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows. Getting the best price for your flood insurance means knowing not just flood maps, elevation certificates, and grandfathering. We are ready to assist you in navigating these waters!
Currently, I have my homeowners’ insurance for my personal residence and my rentals with Harold as well as he secured flood insurance for all of them. He doesn’t just contact me once a year to renew. He keeps in contact with me so we can have a dialogue about how I’m doing, if I have any changes, and if he can be of any further service. If your insurance agent is just doing the bare minimum, you might think about calling Harold to review your current situation.Lisa Ollar
Frequently Asked Questions
Do I need flood insurance or earthquake insurance?
You should consider buying flood or earthquake insurance if you live in an area prone for the occurrence of these types of disasters. Federal disaster assistance is in form of loans or grants are only available if the damage is widespread and very serious, and declared a disaster area by the Federal Emergency Management Agency (FEMA).
How does zoning effect my flood and earthquake insurance premium?
You should be aware if your property is zoned for flood or earthquake. It will affect the insurance premiums of your flood and earthquake insurance.
Is flood and earthquake covered under homeowners’ insurance?
Flood and earthquake is not covered under your homeowners’ insurance. You should consider buying flood or earthquake insurance if you live in an area prone for the occurrence of these types of disasters.
California License No. 0724020