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.
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
I am extremely delighted and grateful to have Harold as my Insurance Agent. “While you hope never to have to use your insurance, it sure is nice to have it when necessary.” This is how I felt... read moreJulie WillsieRR Donnelley12/30/2010
If your insurance agent is just doing the bare minimum, you might think about calling Harold to review your current situation. He’s honest and he’s a man you can trust.Lisa OllarMOA Deposition Reporters8/07/2016
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
After 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 moreJohn W.11/06/2018
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
I 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 moreScott C.10/11/2018
Arizona License No. 1016711, California License No. 0724020, Colorado License No. 259694
Nevada License No. 16801, Oregon License No. 100164127, Washington License No. 873219