🌍 Coverage from the Ground Up
When the Ground Shakes or Waters Rise—We've Got You Covered
Standard homeowners, renters, and condo insurance policies do not cover damage from earthquakes or floods. These catastrophic events can destroy structures, displace families, and leave massive repair bills behind. We help you fill the gaps with dedicated policies designed to keep you financially protected when nature takes a turn.
🌍 Earthquake & Flood Insurance
🌋 Earthquake Insurance
Coverage When the Big One Hits
California is earthquake country. If your home is in or near a fault zone, having earthquake insurance is a critical layer of protection.
What it can cover:
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Structural damage to your home or building
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Damage to foundations and crawl spaces
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Detached structures (garages, pools)
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Personal belongings damaged during the quake
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Loss of use (hotel or rental home while repairs are made)
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Emergency repairs and debris removal
We offer both standalone earthquake policies and options through the California Earthquake Authority (CEA). Our team will explain deductibles, limits, and how to coordinate this with your existing home or rental policy.
🌊 Flood Insurance
Just an Inch of Water Can Cost Thousands
Flooding isn’t just a coastal or storm-related risk—urban flooding, clogged drains, and heavy rain can all lead to serious water damage. And most home policies specifically exclude flood coverage.
We offer:
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FEMA-backed NFIP policies
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Private market flood policies with higher limits and more flexible options
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Coverage for building, foundation, electrical, plumbing, HVAC systems, and appliances
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Contents coverage for personal belongings
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Optional replacement cost coverage
Flood coverage is not only for high-risk zones. A quarter of all flood claims come from low-to-moderate risk areas.
💬 FAQ
Can I get both earthquake and flood insurance in one policy?
No—these are separate policies, but we can quote and bind them at the same time, often with the same carrier or a streamlined billing plan.
Do I need flood insurance if I’m not near a river or coastline?
Possibly. California's dry terrain and sudden rainstorms can cause flash flooding, especially in burn scar or hillside areas. We’ll help you understand your home’s actual risk.
What’s the deductible for earthquake insurance?
It’s usually a percentage of the home’s rebuild value—often 10–15%. We’ll walk you through how that works and when it applies.
Is flood damage ever covered under home insurance?
Only under very specific circumstances (like a burst pipe), but never from outside water entering the home due to rising water. That’s why flood insurance exists.
🛡️ Peace of Mind Starts with a Quote
Let’s protect your home from the ground up—with the right coverage at the right price.
Call: 805-328-5001
Email: info@aecriskmanagement.com