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 has been the most effective insurance agent we’ve used thus far. In our line of business it is often when we’ve imposed on him timelines that are nearly impossible. Not sure how he does it every... read moreTiffiny RuegnerOur Country Deserves Better PAC2/16/2017
I have been working with the McClatchy Insurance Agency, specifically with Dick Lemon for about 4 1/2 years and Elisabeth Nidoy for about 1 1/2 years through work. These two people are not only extremely friendly,... read moreNan B.11/09/2018
I highly recommend Harold's business as a full-service insurance provider. Harold and his staff have extensive knowledge in the business backed up by many years of experience. Harold, personally cares about his clients. I like working with... read moreLitsa P.Real Estate Investor5/07/2016
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've been working with McClatchy Insurance Agency for 2 years and have had nothing but great experiences with their staff. Jeff handles my business insurance and is the most knowledgeable agent I've dealt with! Michelle took care... read moreNick M.The Detailing Pros Sacramento2/17/2017
I 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 moreRichard K.10/03/2018
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 moreSteve MorrowCapitol Collision Center Inc.3/21/2012
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 moreTrevor D.Corporate Development Manager at Sacramento Kings2/23/2018
Harold 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 moreTony V.9/04/2018
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