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.
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
Harold Newbill and his McClatchy Insurance team is super knowledgeable and professional. They don't hardsell you on insurance but give you advice so that you can understand your needs and options. As a small business owner, I... read moreVeronika M.10/25/2018
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 known Harold all of his life. I have had my insurance with McClatchy for over 30 years. I am thrilled he has bought the business from his father and will bring his innovative ideas to... read moreLilllian FultonRealtor3/20/2012
Harold is a person with whom you want to conduct business. He’s knowledgeable, pleasant, and works hard. I’ve known Harold for years through our membership and active participation in the Independent Insurance Agents & Brokers of California... read moreRich HallockThe Greenspan Co.6/15/2015
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
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