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Lucas Insurance Services, Inc

23929 Valencia Blvd, Suite 309
Valencia, CA 91355

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California Flood Insurance Coverage

Flood Insurance in California

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.

What Does Flood Insurance in California Cover?

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.

Get a Flood Insurance Quote from Lucas Insurance Services Inc.

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.

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Additional Information

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Servicing States

  • California


Partner Carriers

  • Foremost
  • Infinity
  • Kemper
  • Mercury
  • Progressive
  • The Hartford
  • Travelers