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.
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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
After 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 moreJohn W.11/06/2018
I 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 moreScott C.10/11/2018
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
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
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
Harold and his team at McClatchy are true professionals and they know their stuff. They have helped me navigate the world of insurance for my businesses as well as my autos and home policies. They are detail... read moreGregg A.10/18/2018
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