A residential street under floodwater between raised houses

HomeHome & autoFlood insurance

Flood insurance for your home and belongings.

Most homeowners and renters policies don’t cover flood. Tell us about your property and a licensed agent follows up about flood coverage.

Request a quoteWhat it covers

Or call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

What it covers

Every policy is different. Your agent walks you through what yours includes before you decide.

  • BuildingThe structure of your home or business.
  • ContentsYour belongings inside the building. A policy can cover the building, the contents or both.
  • Owners, renters and businessesFlood coverage through the National Flood Insurance Program is available to property owners, renters and businesses.

FAQ

Flood insurance, explained plainly

Doesn’t my homeowners insurance cover flood?

No. Flood damage is not covered under a standard homeowners policy. Flood insurance is a separate policy.

What is the National Flood Insurance Program?

A federal program created in 1968 and managed by FEMA. Its policies are delivered through more than 47 insurance companies and NFIP Direct, and are available in more than 22,600 participating communities.

When does a policy start?

There is typically a 30-day delay before an NFIP policy takes effect, unless it is required by a government-backed lender or tied to a community flood map change. Plan ahead.

Is flood insurance required?

Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have it.

Is there private flood insurance?

Yes. The private flood market is small but growing, and may offer higher limits and optional coverage. Excess flood insurance is also available, but it requires NFIP coverage first.

Sources: FEMA, Flood Insurance · NAIC, Flood Insurance. Coverage, price and approval are decided by the insurance company.

How it works

  1. 1

    Tell us what you need

    A few quick questions. It takes about two minutes.

  2. 2

    We review it

    Someone licensed reads every request.

  3. 3

    We reach out

    We talk it through with you. There is no obligation.

Get a flood insurance quote.

A licensed agent reviews your request and gets back to you. Prefer to talk? Call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

If you request a quote, a licensed insurance agent may contact you. We use this only to respond to your request. Please give us an email or a phone number.

You may also need

  • If you request a quote, a licensed insurance agent may contact you.
  • Insurance: Coverage, price and approval are decided by the insurance company.