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Flood Insurance

Flood Insurance Icon | McClatchy Insurance Agency Sacramento

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.

  • 5 star ratingTop notch service! Friendly and knowledgeable staff.

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    allan n.
    1/15/2019
  • 5 star ratingI produce aerial and acrobatic circus entertainment for corporate events. Please take a moment to imagine the complexities of such a strange niche business, and then consider how esoteric the insurance needs are. Is your head spinning... read more

    Scott C. Avatar
    Scott C.
    10/11/2018
  • 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

    Troy B. Avatar
    Troy B.
    2/19/2015
  • 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

    Steve Morrow Avatar
    Steve Morrow
    Capitol Collision Center Inc.
    3/21/2012
  • 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
  • 5 star ratingAfter 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 more

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    John W.
    11/06/2018
  • 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

    Paul T. Avatar
    Paul T.
    10/19/2018
  • 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

    Tony V. Avatar
    Tony V.
    9/04/2018
  • 5 star ratingHarold Newbill and the staff at McClatchy Insurance are the best! You won't be disappointed.

    John S. Avatar
    John S.
    9/20/2018
  • 5 star ratingI can honestly say that getting my two auto, renters and an umbrella policy(s) through McClatchy Ins., was the most enjoyable process I've experienced. I was greeted and offered refreshment (they have chocolate truffles)! The actual cost... read more

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    Diana S.
    1/10/2019

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.

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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