We specialize in flood insurance needs for the Sacramento area to help protect you and your family.
Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows.
Standard homeowners insurance doesn’t cover any damage caused by rising waters that cover more than two parcels of land. If your home is filled with water as a result of rising bodies of lakes, rivers, streams, and oceans or even flooded streets you need flood insurance to return you to where you were before the flood.
Even one inch of water in your home, condominium or apartment can cause more than 10,000 in damage. A flood policy can help you get the water out, replace and repair damaged property and even cover the removal of debris that remain on your property after the rising waters have subsided. We have access to both the National Flood Insurance Program (NFIP) as well as companies that will provide policies that can ensure you are protected where the NFIP cannot offer that same coverage.
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.
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
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 moreMatthew K. WeinerVMware4/01/2008
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
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
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... read moreAge Advantage S.1/21/2019
Great customer service!!! McClatchy Insurance Agency saved me about 400.00 the first year I switched to them. The team of people here really know what they are doing. We increased my coverage with less money. I was... read moreTony V.2/07/2017
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.
Arizona License No. 1016711, California License No. 0724020, Colorado License No. 259694
Nevada License No. 16801, Oregon License No. 100164127, Washington License No. 873219