Flood Insurance in Crestline, CA

Flooding might not be the first thing that comes to mind when you think of California, but it’s a real risk. Flood insurance is crucial because standard homeowners or renters insurance typically does not cover flood damage.

Is Flood Insurance Required in California?

California state law does not require flood insurance, but lenders may require it depending on where your home is located. If your property sits in a high-risk flood zone and you have a mortgage from a federally regulated lender, then you’ll need flood insurance. Even outside of these zones, some lenders may still require it as part of your loan agreement.

What Does Flood Insurance Cover?

Standard flood insurance usually has two types of coverage:

• Building coverage—This may pay for damage to the structure of your home, including:

• Foundation and walls

• Electrical and plumbing systems

• HVAC systems, water heaters and furnaces

• Built-in appliances and cabinetry

• Detached garages (up to a certain limit)

• Contents coverage—This may cover personal belongings such as:

• Clothes and furniture

• Computers and other electronics

• Dryers, washers and portable appliances

• Freezers and the food inside them

How Much Can I Expect to Pay for Coverage?

Flood insurance rates usually depend on many factors, including your property’s location, elevation and flood zone classification. Properties in high-risk areas may see higher premiums than those in moderate- or low-risk zones. Other details like the age and structure of your home, the type of coverage you choose and whether you go through the National Flood Insurance Program (NFIP) or a private insurer also influence pricing.

Get a Free Quote

Contact MTN Insurance Services today to learn more about flood insurance. Our agents can answer your questions and recommend appropriate coverage.