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 is a person with whom you want to conduct business. He’s knowledgeable, pleasant, and works hard. I’ve known Harold for years through our membership and active participation in the Independent Insurance Agents & Brokers of California... read moreRich HallockThe Greenspan Co.6/15/2015
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... read moreGregg A.10/18/2018
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 been using McClatchy Insurance for all my insurance needs for approximately five years now. They are consistently responsive and informative, and sell high-quality policies.
When I was thinking about changing insurers due to a price increase,... read moreAlan B.10/18/2018
Harold has been extremely knowledgeable and efficient in all that our company has had him handle for us. We are now covered at a great rate, and have a knowledgeable staff behind us if we ever have... read moreAshley T.1/07/2016
If you are looking for a local insurance company you can trust look no further. Harold Newbill and his agents are top-notch professionals. You will always get an honest answer and above all they are very competitive.... read moreVeronika M.1/05/2017
Great customer service!!! McClatchy Insurance Agency saved me about 400.00 the first year I switched to them. The team of people here really know what they are doing. We increased my coverage with less money. I was... read moreTony V.2/07/2017
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