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.
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
I just wanted to take a minute and let everyone know how awesome Harold and his group are at McClatchy Insurance in taking care of our business insurance needs. They take care of our general liability,... read moreChris M.3/04/2019
If you are looking for a local insurance company you can trust look no further. Harold Newbill and his agents are top-notch professionals. You will always get an honest answer and above all they are very competitive.... read moreVeronika M.1/05/2017
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
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
Met Harold today and was impressed by him and his operations. He is genuine and detail oriented and I never felt rushed so it is no wonder that he works in a comforting environment with good people.... read moreRick S.8/09/2018
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