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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.

  • 5 star ratingI produce aerial and acrobatic circus entertainment for corporate events. Please take a moment to imagine the complexities of such a strange niche business, and then consider how esoteric the insurance needs are. Is your head spinning... read more

    Scott C. Avatar
    Scott C.
    10/11/2018
  • Harold is very detail-oriented, and has a wealth of knowledge in the insurance industry. He has surrounded himself with a highly competent and attentive staff, and has done a great job with my company’s insurance needs.

    Jim Wardlow Avatar
    Jim Wardlow
    11/13/2015
  • Harold is an incredible service provider and the best at what he does. Having worked with him as my family has continued to grow and change he has always made sure that the right pieces are in... read more

    Matthew K. Weiner Avatar
    Matthew K. Weiner
    VMware
    4/01/2008
  • We’ve done business with McClatchy and Harold for years. Highly recommended.

    Thomas Cregger Avatar
    Thomas Cregger
    Cregger & Chalfant
    3/02/2018
  • 5 star ratingI have worked with Barri, Dick and Harold in the past and have received outstanding service and advice every single time. If you need help with insuring your personal or business property please contact McClatchy Insurance Agency... read more

    Alex G. Avatar
    Alex G.
    9/25/2018
  • 5 star ratingAfter 25 years with Mercury Insurance and 3 previous attempts over the years to find a more cost effective option, McClatchy Insurance not only lowered my insurance premiums significantly but did it with the kind of customer... read more

    John W. Avatar
    John W.
    11/06/2018
  • 5 star ratingFor the finest, fastest, most efficient service from knowledgeable people you MUST see Harold Newbill and his professional associates. Insurance sales and service at its finest.

    Roy W. Avatar
    Roy W.
    8/24/2015
  • 5 star ratingI 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,...
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    Alan B. Avatar
    Alan B.
    10/18/2018
  • 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 more

    Rich Hallock Avatar
    Rich Hallock
    The Greenspan Co.
    6/15/2015
  • 5 star ratingTop notch service! Friendly and knowledgeable staff.

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    allan n.
    1/15/2019
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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