California is known for predominantly sunny and moderate temperatures typical of a southern coastal state. However, being so proximal to the ocean, lakes, rivers, dams, and large bodies of water leave homes and businesses in Valencia, CA at moderate risk of flooding.
While flood insurance is not required in California, our advisors at Lucas Insurance Services Inc highly recommend that policyholders invest in a supplemental policy to cover such incidents. Homeowners with a mortgage might be required by their lender to carry flood insurance, whether they reside in a floodplain or not.
Renters and homeowners’ insurance policies don’t cover damage from floods, but affordable policies are available from the National Flood Insurance Program (NFIP) or through private insurers. Flood insurance policies typically cover incidences such as levee breaks, mudflows, heavy rainwater, and overflows of inland and non-typical tidal waters.
These policies cover several flood-related losses and damage, ranging from compromised foundations, appliances, furniture, flooring, and even personal items like clothing. Coverage generally will not cover temporary relocation costs, basement damage, vehicles on the property, or floods due to earth movement.
NFIP policies have limits of $100,000 for personal property and $250,000 for structural damage, but private insurance policies can offer greater fiscal limits. Here at Lucas Insurance Services Inc, we are happy to add this coverage as a rider to any other policies and services you have with us. Often, our multiple policy discounts can get you rates below NFIPs while offering higher coverage limits.
Protect one of your most valuable investments ASAP with an NFIP or a customized personal flood insurance policy. There is a 30-day waiting period for the policy to go into effect, so contact Lucas Insurance Services Inc. online or call to speak with one of our insurance professionals for a quote today.
"Professional and friendly staff right from the start! Great quotes and customer service…. wouldn’t go anywhere else!"
- Erick M.
"Very friendly staff!!! Not like other rude insurance companies that try to take your money away. Really fast quotes straight to the point. The young lady insured my four vehicles based on all my needs and also offered me home insurance and all for an affordable monthly payment. I really do recommend them, plus both agents are bilingual.( English/Spanish). Great Service and Great Insurance Company."
- Cesar Haid H.
"I’m highly recommending this insurance company. They have the best rates and have a very nice customer service, the employees are friendly and they can help you with any questions you might have."
- Ivan F.
Monterey Park, CA
"Great service–they always help the customer and we are very satisfied, and the person who helps us is named Karina!!!"
- Karla F.
"I can’t say enough, every time I call I get super friendly and professional help. Crystal and Karina are awesome, always willing to help and find me the best rates and service. I was able to get full coverage on my car for an great price! Karina even helped me with the DMV. Strongly recommend them."
- Tori A.
"Love this insurance agency! They answer all my questions and concerns. I make sure to let all my friends and family know about this place."
- Julia C.
South Los Angeles CA
"I have been a customer of Lucas Insurance for many years. I have moved in and out of state several times throughout most of those years as well. Each time I come back, it’s a no-brainer that I contact Lucas Insurance for all of my insurance needs. I have consistently received excellent service each and every time. Moving and having to obtain new insurance can be stressful, but thankfully it’s not with Lucas Insurance! I actually look forward to making the call. I encourage everyone in the market for insurance, to pick up the phone and make that call too! Thank you for providing such great customer service, especially when it seems most companies these days don’t even know what that means."
- Andrea C.
Santa Clarita, CA