Flood Insurance in California

Damage to your home is stressful enough without having to worry about paying for it out of pocket. If you live in an area of Vista, CA, where floods are more common than usual, Alta Vista Insurance Agency has you covered when it comes to flood insurance.

Is Flood Insurance Required?

Perhaps the most exciting part about flood insurance is the way it works in terms of insurance requirements. For starters, California law doesn't mandate that you have flood insurance for your home. However, Congress federally mandated flood insurance for all mortgaged properties, which are inside a flood zone. These areas are more likely to flood than other parts of California, or even other parts of the country.

Even if you aren't in a flood zone, your mortgage lender can still require you to have flood insurance. Since floods are never covered under a home insurance policy, some lenders simply want to make sure everything is covered. You can find out more about flood zones and even find maps with a few quick Google searches.

What's Covered?

Before you purchase flood insurance, it's essential to understand what you're getting in terms of coverage. The typical flood insurance policy covers damage that floods may cause to your foundation, electrical and plumbing, appliances, electronics, personal belongings, furnishings, and more. There is a flat limit to the amount a policy can cover.

If you don't live in a high-risk flood zone, you may be able to get a more fundamental and affordable flood insurance policy. Make sure you talk to an insurance agent and ask your mortgage lender if you have one so you can make sure you're getting the right coverage.

Floods are a huge hassle, but you don't have to worry about making major home repairs out of pocket. If you want to protect your Vista, CA home from floods, call Alta Vista Insurance Agency to get a quote today.