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California Flood Insurance Coverage

Flood Insurance

Flood Insurance

We have all heard the stories of people who have lost their homes due to floods only to find out their homeowners' policies won't cover flood damage.

Our Los Gatos Insurance agents help educate our customers on the risks they may face in California during flood season before a loss can occur. We want to help our customers knowledgeably choose the right amount of coverage.

Since just a few companies offer flood insurance, the National Flood Insurance Program (NFIP) was created by the government in 1968. This offers homeowners, renters, and business owners the chance to purchase insurance if they live in a high-risk area.

However, even those who do not live in high-risk areas may choose to purchase flood insurance just for peace of mind. The National Flood Insurance Program reports as much as 25 percent of Americans’ claims actually occur in low- to moderate-risk areas. Our agents can help you find out if you are eligible to participate in the NFIP. Even if you are not eligible for the program, we can help you find the right flood insurance policy for you.

Flood Coverage

Flood insurance offers homeowners coverage on their structure and the contents inside. We can help you discuss additional personal property coverage, as well.

California homeowners know it’s important to protect their assets and their homes from flood damage. Since homeowners policies commonly do not cover floods, flood insurance will provide the extra protection you need. With flood insurance, you’ll have protection from floods caused by:

  • Melting snow or ice
  • Storms
  • Hurricanes
  • Water backups from drainage system problems

Generally, there’s a 30-day waiting period for flood insurance, so keep that in mind when you consider flood insurance. Since flood season is approaching, it’s important to call soon! If you are interested in flood insurance, call Los Gatos Insurance Services today!

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