Atmospheric rivers and flash floods in California are unpredictable. Standard home insurance does not cover flood damage. Protect your home with comprehensive flood insurance.
Most homeowners in California assume their standard policy covers storm water damage. It does not. Flood insurance is a separate policy that provides essential protection.
25% of flood insurance claims come from areas not mapped as "high-risk." Water flows where it wants, not where maps predict.
You cannot buy coverage once the rain starts. Most policies have a 30-day waiting period before they activate, so plan ahead.
California weather patterns have changed dramatically. It's not just about living near a river anymore. Between prolonged droughts creating hard soil and sudden atmospheric rivers dumping record rainfall, flash flooding has become our new normal.
"Just an inch of water can cause up to $25,000 in damage to your home. Without flood insurance, you're left to cover that cost entirely on your own."
Contact us via phone or fill out our simple online form to get started.
Our licensed insurance agent will contact you to discuss your needs.
We'll analyze your assets and lifestyle to determine the right coverage.
We'll create a personalized umbrella insurance plan that fits your needs.
Enjoy peace of mind knowing your assets are protected with comprehensive coverage.
"Kay helped me get my new car insurance with Allstate. She made it quick and easy and made sure I got the best price possible. Good communication and I'm very happy with her service. Thank you!"
"Both Rizwan and Shirley were very helpful with my Auto Insurance needs - I would highly recommend this Allstate Team for all your insurance needs. Thanks again and keep up with the great work!"
"Excellent service and rates for my auto insurance and property insurance for 10+ years. A shout out to Shirley for giving me great explanations about my policies and reminder about dues."
"The best agent Kay very very outstanding very helpful. She make things very easy for me. I really appreciate what she did and the work she done on my policy Thank you Mr Rizwan for having 10 stars agent Kay working with you and also the best auto insurance company"
"Shirley has been helping my family for over 20 years. she's Knowledgeable, responsive, and genuinely cares about tailoring coverage to our needs. I trust her completely with my home and auto insurance. Highly recommend."
Most agents only sell the government plan. We offer both options and help you choose what's best for your situation.
Comprehensive protection for your structure and belongings when water damage strikes.
Protection for your home's foundation, walls, floors, and structural elements damaged by flood waters.
Coverage for electrical, plumbing, HVAC systems, water heaters, and built-in appliances like dishwashers and refrigerators.
Protection for permanently installed carpeting, paneling, cabinets, and other fixtures attached to your home.
Coverage for your furniture, TVs, computers, and other electronic devices damaged by flooding.
Protection for clothing, books, artwork, and other personal belongings throughout your home.
Coverage for portable air conditioners, microwaves, and other moveable appliances.
Understanding the importance of flood protection in California
Get answers to common questions about flood insurance in California
Yes, you should consider it. About 25% of flood insurance claims come from moderate- to low-risk areas. Floods can happen anywhere, especially with California's changing weather patterns and atmospheric rivers. Plus, if you're in a low-risk area, you may qualify for a Preferred Risk Policy with lower premiums.
NFIP (National Flood Insurance Program) is the government-backed program with standard coverage limits of $250,000 for buildings and $100,000 for contents. Private flood insurance offers more flexibility with higher coverage limits, shorter waiting periods, and additional benefits like loss of use coverage and replacement cost for belongings.
The cost varies based on your location, flood zone, building characteristics, and coverage amount. The average annual premium in California is around $900, but it can range from $400 to $4,000+ depending on your risk level. Properties in Preferred Risk zones can get coverage for as low as $400-$700 annually.
NFIP policies typically have a 30-day waiting period before coverage takes effect. However, private flood insurance policies may have shorter waiting periods of 10-14 days. If you're purchasing flood insurance in connection with a new mortgage, there's no waiting period.
Flood insurance provides limited coverage for basements. Building coverage includes structural elements, essential equipment (furnace, water heater, circuit breaker), and permanently installed items. However, finished basement areas, personal belongings, and floor finishes typically aren't covered.
It depends on the cause. If sewer backup results directly from flooding (water entering through drains due to rising flood waters), it may be covered. However, backup caused by a blockage or mechanical failure is typically not covered by flood insurance and would need separate sewer backup coverage.
Don't wait until it's too late. With a 30-day waiting period, now is the time to protect your California home from flood damage.
Office Hours: Monday-Friday 9:00 AM - 5:00 PM
Location: 475 El Camino Real, Ste 301, Millbrae, CA 94030
