Earthquake Insurance

Flood Insurance Icon | McClatchy Insurance Agency Sacramento

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.

  • We’ve done business with McClatchy and Harold for years. Highly recommended.

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    Thomas Cregger
    Cregger & Chalfant
    3/02/2018
  • 5 star ratingNot much to say other than they are honest, fair and family owned. I'm not going anywhere else.

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    Jon Robert Q.
    1/04/2019
  • I have been a happy client with the McClatchy family for a long time. I love the great customer service they offer my Business. I appreciate the McClatchy family for what they do.

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    Fonzie Idris
    Univera
    12/24/2017
  • 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 more

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    Lilllian Fulton
    Realtor
    3/20/2012
  • 5 star ratingAfter years of being dissatisfied with insurance brokers for one reason or another I found Dick Lemon at McClatchy Insurance. His attention to detail and honest straight forward attitude has been a breath of fresh air into... read more

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    Paul T.
    10/19/2018
  • Offers reasonable packages and rates. Easy to work with.

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    Diana Jahns
    Diana Jahns Photography
    2/11/2017
  • 5 star ratingHarold Newbill and his McClatchy Insurance team is super knowledgeable and professional. They don't hardsell you on insurance but give you advice so that you can understand your needs and options. As a small business owner, I... read more

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    Veronika M.
    10/25/2018
  • I've coordinated my auto and renter's insurance with Harold and McClatchy Insurance since January 2015. Harold and his staff personally took the time to sit down with me, assess my risk tolerance, and make strong personalized recommendations... read more

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    Trevor D.
    Corporate Development Manager at Sacramento Kings
    2/23/2018
  • 5 star ratingHarold 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 more

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    Tony V.
    9/04/2018
  • Harold and his organization are some of the most professional, well-trained insurance people in the industry. You couldn’t ask for a better business and personal relationship than the one Harold and his people will provide!

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    Mike Young
    Mycomm Inc.
    3/15/2015
McClatchy Insurance Agency Sacramento

Arizona License No. 1016711, California License No. 0724020, Colorado License No. 259694
Nevada License No. 16801, Oregon License No. 100164127, Washington License No. 873219

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