We specialize in earthquake insurance needs for the Sacramento area to help protect you and your family.
Like flood insurance, standard homeowners insurance doesn’t cover any damage caused by earth movement which can cause severe damage to your home. Earthquakes can damage housing foundations and collapse walls; even relatively mild tremors can destroy furnishings and belongings. The cost to purchase earthquake insurance can vary significantly, from fairly inexpensive in lower risk areas to a relatively high cost in places that are more prone to earthquakes. Deductibles for earthquake insurance plans are higher than homeowners insurance can be between 5% and 15% of the value of your home.
Please contact us so we can provide you a value focused proposal to protect you, your family and your possessions and provide you peace of mind that comes with an insurance agent you know and a policy you can count on.
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.
Harold and his team at McClatchy are true professionals and they know their stuff. They have helped me navigate the world of insurance for my businesses as well as my autos and home policies. They are detail... read moreGregg A.10/18/2018
Harold and his team at Mclatchy Insurance fantastic! Extreme knowledgeable and always willing to go the extra effort to not only save you money but make sure you are covered which is why your buying insurance in... read moreTony V.9/04/2018
Met Harold today and was impressed by him and his operations. He is genuine and detail oriented and I never felt rushed so it is no wonder that he works in a comforting environment with good people.... read moreRick S.8/09/2018
I have known Harold Newbill for about 22 years and had nothing but first class experiences with him as a professional insurance agent. I would recommend working with him and McClatchy Insurance Agency for any of your... read moreChristina Snyder6/03/2018
I have been working with the McClatchy Insurance Agency, specifically with Dick Lemon for about 4 1/2 years and Elisabeth Nidoy for about 1 1/2 years through work. These two people are not only extremely friendly, but... read moreNan B.11/09/2018
Bari did a great job getting me the best quote possible for my auto insurance. I was vey happy with that, and Dick got me a great quote and coverage for my general and professional liability insurance.... read moreAge Advantage S.1/21/2019
I have known Harold all of his life. I have had my insurance with McClatchy for over 30 years. I am thrilled he has bought the business from his father and will bring his innovative ideas to... read moreLilllian FultonRealtor3/20/2012
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