California Flood Insurance

Californa Flood Insurance

Contact: Stratum Insurance Agency, LLC – (949) 270-0609

California home and condo owners are at risk of flood losses and need look no further than Stratum Insurance Agency for their insurance needs. Even if you are not in a flood zone, it is important to protect your home, which is likely your biggest investment.

Homes (single family dwellings) and Flood Insurance

Homeowners insurance generally does not include (or excludes) coverage for losses due to flood or earthquake. The National Flood Insurance Program (NFIP) offers coverages for up to $250,000 of building insurance, but Stratum Insurance is able to quote excess flood insurance, which can offer coverage for much higher limits.

Condominiums and Flood Insurance

Because many homeowners association master insurance policies only cover the rebuilding of exterior structures and not the interiors. It is crucial to purchase flood insurance coverages for your condo. It offers coverage for both the interior dwelling and personal property.

Current condo owners with insurance, especially those who have not reviewed their coverage in some time, should use this opportunity to review their condominium owners insurance and make sure that they have the appropriate coverages in place. With increased rebuilding costs, it is important to have the right amount of dwelling coverage for your home and other structures.

Homeowners insurance and condo owners insurance policies lack many coverages of which policyholders are not aware, such as flood and earthquake.

Buying a Home and Flood Insurance
If you are a new buyer, contact Stratum Insurance before closing your loan so that they can help you compare rates and coverage options. Escrow billing is usually available for new buyers who want to pay for their insurance from at their loan closing or through an impound account. Let your agent know if you need flood insurance to close your loan.

Stratum Insurance Agency, LLC is able to compare price and coverage combination from different insurance companies to help clients find a product that meets their needs.


Request a quote:

Online: Flood Insurance

By Phone: 949-270-0609

Stratum Insurance Agency, LLC sells insurance is more than 25 states.

* Not all products marketed in all states. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by state). No insurance is offered or afforded through this posting. License info at: www.stratumins.com/license.htm <

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Stratum Insurance Agency LLC www.stratumins.com DISCLAIMER,TERMS OF SEVICE, AND LICENSE INFO Quote Requests are available at http://www.stratumins.com/ for insurance in over 40 states. * Not all products marketed in all states. Stratum Insurance Agency, LLC is an independent insurance agency and/or broker (varies by location). Coverages and options vary by location. No insurance is offered or afforded through this posting. By reading this article or blog post, you agree to hold the author, the agency or brokerage, family, and anyone who associates with Stratum Insurance Agency LLC harmless from any liability that may arise. The information provided in any of the postings here or on any site from Stratum Insurance Agency, LLC is not intended to be advice and is purely for educational purposes. No recommendations are made by this website, its author, or the company, agents, managers, members, officers, or partners for which the author works Nothing included here should be construed as legal advice. Consult the appropriate professional prior to making a decision. In CA Lic 0e52066 If you do not agree to the with these terms, close this site immediately. No reproduction of the data contained on this site is allowed with express written consent. All information is copyrighted by Stratum Insurance Agency LLC.
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