Flood Insurance Quotes for Lodi, CA, and Beyond

Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. When you purchase a flood insurance policy from Eugene C. Yates Insurance Agency you can enjoy peace of mind.

Your homeowners insurance in Sacramento and elsewhere does not automatically cover floods. Flood insurance is critical protection in the face of natural disasters that can happen with little-to-no warning. With our help you can protect the financial investment you have made in your home and your possessions. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, or landslides that block drainage.

While we are well known for our solid car insurance rates in Sacramento and beyond, we highly recommend floor insurance for our California clients. Learn more about the different types of policies we offer which are based on your property’s location and flood history:

Standard Flood Insurance Policies

If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

Preferred Risk Flood Insurance Policies

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy covers your home and its contents if you are affected by a flood that has expanded into your low-risk area. Because many flood insurance claims occur in low-to-moderate risk areas, it makes sense to find out more about our insurance quotes Lodi, CA, and the surrounding areas.

Don’t wait until it’s too late. Contacting Eugene C. Yates Insurance Agency today gets you on the path to flood protection with an affordable and comprehensive insurance policy.