Home / Earthquake & flood
Earthquake and flood insurance, compared for you.
Standard home, condo and renters policies exclude both. We compare California Earthquake Authority (CEA) and private quake options, plus NFIP and private flood, then fit them around the policy you already have.
✓ CEA and private earthquake
✓ NFIP and private flood
✓ Quoted alongside your home policy
★★★★★ 5.0 on Google · Family-run since 1991
TWO SEPARATE POLICIES
Two gaps your home policy leaves open.
Standard home policies exclude both, so each needs its own coverage. We quickly review:
1 Your home & location
2 Fault & flood zone
3 Construction & foundation
4 CEA & private options
FLOOD INSURANCE
Protection for when water rises.
Building, systems and contents coverage through NFIP or private flood. Burn scars, hillsides and flash storms put inland homes at risk too.
THE SHORT VERSION
What every California homeowner should know.
01
Your home policy excludes both
Standard homeowners, condo and renters policies don’t cover earthquake shaking or rising water. Each needs its own policy.
02
Quake deductibles are a percentage
Earthquake deductibles are usually 5% to 25% of your dwelling limit, so we help you pick one you could actually pay.
03
Flood has a waiting period
NFIP flood policies usually take effect 30 days after purchase, so set coverage up before storm season.
What these policies can cover
✓ Dwelling
Structural repairs, including foundation work.
✓ Emergency repairs
Debris removal and urgent work to protect the home.
✓ Personal property
Belongings damaged by shaking or floodwater.
✓ Loss of use
Temporary housing while your home is repaired.
What affects your price
Home age & construction · Foundation & retrofit · Distance to faults · Flood zone · Elevation · Deductible · Limits
✓ Building systems
Flood coverage for electrical, plumbing, HVAC and appliances.
✓ Renters and condo
Quake and flood options for what you own inside.
★★★★★
“I’ve been working with AEC Insurance Services since 2012… I know I can always count on the AEC team to have my back.”
Charlotte S. · Client since 2012 · Google review
QUESTIONS WE HEAR A LOT
Earthquake & flood questions
Can I get earthquake and flood in one policy?
No, they are separate policies. We can quote and bind them at the same time so your coverage starts together.
Do I need flood insurance if I’m not near water?
Possibly. Flash floods and mudflow hit hillside and burn scar areas. We will look at your home’s actual risk.
What’s the deductible for earthquake insurance?
It is usually a percentage of your dwelling coverage, commonly 5% to 25%. We will show you what each option means in dollars.
Is flood damage ever covered by home insurance?
Sudden water from inside, like a burst pipe, often is. Rising water from outside is not, which is why flood insurance exists.
Is earthquake insurance worth it in California?
It depends on your home, equity and savings. We will compare costs and deductibles so you can decide with real numbers.