Flood and Earthquake

CA Earthquake Insurance

An earthquake can be financially devastating to a homeowner. Although earthquakes are a real and present danger in California, damages are typically not covered by a homeowners insurance policy.

To determine the minimum amount of earthquake insurance you should consider, J-Mac Insurance Agency estimates what it may cost to rebuild your home after an earthquake. Additionally, costs are estimated for other structures, contents and loss of use.

Flood Insurance:

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes, overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance. The lower the degree of risk, the lower the flood insurance premium.

Call J-Mac Insurance Agency today for your free flood quote. 818-996-1969