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.
Dick 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 moreBryan B.11/12/2018
After 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 morePaul T.10/19/2018
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
Bari did a great job getting me the best quote possible for my auto insurance. I was vey happy with that, and Dick got me a great quote and coverage for my general and professional liability insurance.... read moreAge Advantage S.1/21/2019
I 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 moreAlex G.9/25/2018
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 at McClatchy is the most passionate, knowledgable and friendly agent I've ever had the great privilege of meeting. He is incredibly informative and gives every indication that he's 100% trustworthy. If I were to pick someone... read moreRaft R.10/04/2018
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
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