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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.

  • 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 Ollar Avatar
    Lisa Ollar
    MOA Deposition Reporters
    8/07/2016
  • Being a business owner, I know value when I see it! The complete package is what you will get with Harold at McClatchy Insurance. He is always professional, timely and by far, the best insurance agent in... read more

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    Steve Morrow
    Capitol Collision Center Inc.
    3/21/2012
  • I have worked with Harold for the past several years, I have worked on several different projects with his staff and I find all them to be professional and informative. They have always put the client’s needs... read more

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    Troy B.
    2/19/2015
  • 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
  • 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.

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    Roy W.
    8/24/2015
  • I have worked very closely with Harold for the past couple years. I am very impressed with his level of expertise and have every confidence that clients will be well served.

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    John Signorotti
    Signator Investors, Inc.
    3/21/2016
  • 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

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    Matthew K. Weiner
    VMware
    4/01/2008
  • 5 star ratingHarold Newbill and the staff at McClatchy Insurance are the best! You won't be disappointed.

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    John S.
    9/20/2018
  • 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 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
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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