Flood Insurance California

Protect your home from flood damage.
Get a flood insurance quote online today.

What Does Flood Insurance Cover?

A flood insurance policy holds two main areas for coverage, these areas are building and contents coverage. Flood insurance reimburses you for water damage to your home or business if the damage is specifically caused by flooding, including high tides, overflow of riverbanks, hurricane storm surge or a heavy downpour that accumulates faster than it can drain, and other sources of natural flooding. People often don’t think about the value of a flood insurance policy until it’s too late. Getting a flood insurance quote is the first step toward giving yourself peace of mind.

Get a flood insurance quote and protect your investment.

Residential Flood Insurance

Standard homeowners insurance doesn’t cover flood damage. It’ll cover some damage from rain, but if your home is filled with water as a result of rising bodies of lakes, rivers, streams, and oceans, it won’t cover you. To protect your home from this type of loss, you need to buy flood coverage. If you live in a special flood hazard area, your mortgage company will require this type of coverage for your home. Because flood coverage isn’t included on most homeowners, condo, renters or mobile home insurance policies, you’ll likely need to purchase this coverage separately.

Commercial Flood Insurance

A commercial flood insurance policy is available to businesses to protect them against the costly damage from floods. While many different types of damage are covered by standard commercial property policies, coverage for flooding is often excluded and a flood insurance policy must be purchased separately. With today’s increasing reconstruction costs, there is a good possibility that the amount of flood insurance people have on their businesses is not enough to replace or repair if totally destroyed. With Commercial flood insurance, you no longer have to face that risk.

Why Do You Need Flood Insurance?

Floods can occur anywhere and anytime, even in places where you would think it could never happen and damage from a flood is often very detrimental to a business. Homeowners and Business owners don’t need to wonder if they need flood insurance — if you live in a high-risk area, you may not be able to get a mortgage without it. But even if flood insurance isn’t required for your property, it might still be a good idea. The purchase of flood insurance is highly recommended. Remember, there is a 30-day waiting period before the policy becomes effective.

Additional Reasons to Consider Flood Insurance

Although you may think you don’t need insurance because your area isn’t at risk of flooding, floods are one of the most common and expensive natural disasters that can affect every region and state. Other reasons you may want to consider commercial flood insurance:
  • Over 20% of flood claims come from properties outside high-risk flood zones.3
  • Wildfires can change the landscape and ground conditions in your area, so future rainfall can cause flash flooding.
  • Storms aren’t the sole cause of flooding. A broken dam or levee or new building development that changes the flow of water in your area are just a few ways that can trigger a flood.

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Get A Quote

We send you the lowest rates from multiple flood insurance carriers. You simply submit our online application in under 2 minutes! No one does it as quickly as we do!

Instant Coverage

We will send confirmation to your lender And email you a copy of your policy immediately! Making a payment is easy! You can pay online or we can bill your mortgage company. We do all the heavy lifting.

Enjoy the Savings

Just think what you can do with the money and time you saved! Join our happy customers who have made the switch! Do the math! See our reviews below!

Flood Insurance Blogs

There are ways to cut the cost of your California Flood Insurance. You can also learn how you can determine the cost of Flood Insurance.
Even if you live in a low-risk flood-prone area, there is a high possibility of flooding. However, with Flood Insurance in place, you can protect yourself and your property.
People often think that hazard insurance as part of homeowners insurance protection can protect you from flooding even without Flood Insurance.


Aliya O.

The staff is knowledgeable in the insurance field and fast, they’re true professionals!

John H.

I’ve purchased several products from them over the years and I have always felt confident that I was making a wise investment.

Forugh I.

Very friendly, very sociable, and very honest. You couldn’t be in better hands. They really care about their clients.