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The Facts About Flood & Earthquake Insurance

Flood Insurance

Flood is the number one disaster in California. When floods happen, most people are not prepared. Just a few inches of water above the ground can cause massive losses, and the best way you can protect yourself is to ensure that you are prepared for it. Get a flood insurance coverage from Let's Insure which provides you with financial security in case a misfortunate event happens to you.

We provide flood insurance for homeowners, renters, and commercial building owners. Our flood insurance coverage is designed and customized to fit every person's needs, and it fulfills all the requirements of the state. Flood insurance coverage caters for physical losses to property caused by water overflow which can be as described as a temporary condition of a complete deluge of at least two acres of usually dry land or at least two properties. The cause could be:

  • An overflow of inland waters
  • An unusual or abnormal accumulation of surface waters from any source of water
  • Overflow of river on ordinarily dry areas, for example, when water current carries earth
  • Landslide
  • Slope Failures

Some of the things that you need to understand when purchasing flood insurance are:

  • Homeowners insurance is not enough to protect you against flooding
  • Flood insurance caters for the cost of damages caused by excess water coming in the home dwelling. However, most people tend to ignore it unless they live in a floodplain or if they are dealing with mortgage and the company requires them to have the policy.
  • It is advisable to have a water backup coverage since drains and sewers are not included in the flood coverage.

You do not have to live in a floodplain to purchase this type of insurance. This is because most flood cases happen outside the floodplain. This coverage is meant for anyone living in an area qualified by NFIP.

Contact Let's Insure to learn more about flood coverage in California, and let us help you decide the policy that suits you best. Reach out to our agents for any questions you may have and learn how to get started.

Earthquake Insurance


Let’s Insure is participating member of the California Earthquake Authority and many private companies. We use our comparative rating system to calculate which insurance company offer the broadest coverages for the lowest cost.

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