Your standard homeowners policy excludes floods entirely. Private flood insurance fills that gap — fast quotes, competitive rates, all California ZIP codes.
Standard homeowners policies in California explicitly exclude flood damage — whether from rising rivers, storm surge, heavy rainfall, or overflowing storm drains. You need a separate flood insurance policy to be protected.
Flood insurance covers direct physical loss caused by flooding — the water damage your homeowners policy leaves you exposed to.
Foundation, walls, floors, ceilings, roof, electrical systems, HVAC, plumbing — everything that makes up the physical structure of your home.
Furniture, electronics, clothing, appliances, and personal belongings damaged by floodwater — items your homeowners policy won't touch.
Storm surge, river overflow, flash flooding, storm drain overflow, heavy rainfall accumulation — all covered under a private flood policy.
Garages, sheds, fences, and other structures on your property that are damaged in a flood event.
Water intrusion into your basement from flooding — one of the most common and expensive flood claims in California.
Water heaters, furnaces, washers, dryers, and built-in appliances damaged by floodwater or flood-related moisture.
Best for: Most California homeowners — especially those outside high-risk flood zones who want broader protection.
Note: 30-day waiting period. No loss of use coverage. Contents covered at actual cash value only.
Best for: Properties in high-risk FEMA flood zones where lenders require NFIP specifically.
Not sure which is right for you? Call Hakob at 818-945-8585 — free consultation, no obligation.
Los Angeles and San Gabriel rivers, Verdugo Wash, Tujunga Wash, and dozens of other waterways can overflow during heavy rain events.
If your property is in a designated Special Flood Hazard Area (SFHA), your mortgage lender may require you to carry flood insurance.
After a wildfire, burned hillsides lose their ability to absorb water. Mudflows and debris flows become significantly more likely — and are covered under flood insurance.
Properties where water naturally collects during heavy rain events — storm drain overflow and surface water accumulation cause millions in damage annually.
25% of all flood claims come from low-to-moderate risk zones. You don't have to be in a flood zone to be flooded — just ask anyone who has been.
Commercial flood insurance protects your building, equipment, inventory, and business personal property from flood damage not covered by standard commercial property policies.
Powered by Neptune Flood — one of America's leading private flood insurance providers. Enter your address for an instant quote.
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Prefer to talk to a person? Call Hakob at 818-945-8585 — free consultation, all California ZIP codes.
Flood insurance is one piece of the puzzle. Make sure you have everything covered.
Standard and high-risk homeowners policies for all of California.
Separate coverage for earthquake damage — also excluded from standard home policies.
Protect your belongings and liability as a California renter.
Get an instant quote above — or call Hakob directly for a free consultation. We cover all California ZIP codes including high-risk flood zones.
Free consultation · No obligation · CA License #0K22110 · Glendale & Los Angeles, CA