- Auto Insurance
- Homeowners Insurance
- Condo Insurance
- Renters Insurance
- Flood Insurance
- Earthquake Insurance
- Powersports Insurance
California Flood Insurance
Personal Lines Insurance
Unlike your Homeowner’s insurance policy, flood insurance covers damages to your property caused by flooding.
Some of the things a flood policy will cover include:
- Structural damage to the building and its foundation
- The electrical and plumbing systems
- Water heater and central air conditioner
- Stoves, refrigerators and built-in appliances
- Permanently installed carpeting
- Flood debris cleanup
Your flood insurance policy can also include the personal contents in your home including, clothing, furniture and even artwork.
Unless your home is designated in a Special Flood Hazard Area , flood insurance is optional. However, there are some areas that you are required to carry flood insurance coverage. In some cases, banks and mortgage lenders will not extend or refinance a mortgage loan without proof that the property is covered in case of a flood loss. Click on the link below to see if you are in a Special Flood Hazard Area.