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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.

  • 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 more

    Litsa P. Avatar
    Litsa P.
    Real Estate Investor
    5/07/2016
  • 5 star ratingI 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 more

    Nan B. Avatar
    Nan B.
    11/09/2018
  • 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 more

    Trevor D. Avatar
    Trevor D.
    Corporate Development Manager at Sacramento Kings
    2/23/2018
  • 5 star ratingHarold 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 more

    Raft R. Avatar
    Raft R.
    10/04/2018
  • 5 star ratingHarold and his staff helped me get a better policy more coverage at a better rate for a commercial building. For fast efficient service Harold is the guy. Thank you.

    Chris L. Avatar
    Chris L.
    10/10/2014
  • 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 more

    Rick S. Avatar
    Rick S.
    8/09/2018
  • 5 star ratingHarold Newbill and his staff are knowledgeable about the products they offer and the companies they represent, and they provide outstanding customer service. Highly recommend.

    Alan B. Avatar
    Alan B.
    10/10/2014
  • 5 star ratingI 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 more

    Chris M. Avatar
    Chris M.
    3/04/2019
  • 5 star ratingTop notch service! Friendly and knowledgeable staff.

    allan n. Avatar
    allan n.
    1/15/2019
  • 5 star ratingI need a business insurance for my company. They are quick and provide a lot of knowledge. Highly recommend them.

    Julie V. Avatar
    Julie V.
    10/19/2019

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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