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Earthquake Insurance

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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 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
  • 5 star ratingHarold 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 more

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    Gregg A.
    10/18/2018
  • 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
  • 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
  • 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
  • 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
  • 5 star ratingI know a good agent, because I've had bad ones. Harold Newbill (the owner) is excellent. And because Harold is excellent, the agency is excellent. Harold is smart, helpful and a great listener. He gets back with... read more

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    Richard K.
    10/03/2018
  • 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

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    Alex G.
    9/25/2018
  • 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
  • 5 star ratingDick and his staff have always been available and very aggressive in getting me the best coverage and price for my home and autos. I especially appreciate that a real person always answers the phone and directs... read more

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    Bryan B.
    11/12/2018
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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