Flood Insurance in Brentwood, CA

It is an oddity that flooding is the most common natural disaster in the United States, yet it is not covered under a standard home insurance policy. Although not every home in California is at high risk for flooding, it is important to consider coverage in case the worst does happen. California homeowner policies typically cover such items as liability, fire, and theft. However, flooding and earthquake damage may be excluded from the average home policy due to being mass-destruction events. Unfortunately, many homeowners do not take the time to review their home coverage, and only find out that they are not protected from floods until it is too late.

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions. Note that neither covers the land they occupy.

• The insured building and its foundation
• Electrical and plumbing systems on site
• Central air conditioning equipment, furnaces, and water heaters
• Refrigerators, cooking stoves, and built-in appliances such as dishwashers
• Permanently installed carpeting over unfinished flooring

• Clothing, furniture, and electronic equipment
• Curtains
• Portable and window air conditioners
• Portable microwaves and dishwashers
• Carpeting

Flooding by heavy rain and thunderstorms are beyond our control, which is why it is so important for homeowners to plan for the worst-case scenario. You should also note what flood insurance does not cover. Generally, flooding from hot tubs and swimming pools are not covered by flood insurance. It is best to discuss coverage with your insurer at the time of purchase to understand the extent of your policy.

Don’t wait until it is too late. Some policies take up to 30 days before they kick into effect. Talk to the trusted team at Jack Stone Insurance Agency. We can identify the best combination of flood insurance in Brentwood, CA coverage, value, and price just for you.