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2585 Pio Pico Dr, Suite 100
Carlsbad, CA 92008

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What you need to know about flood insurance

Floods have the potential to create significant damage that ultimately causes serious emotional distress as well as financial losses. According to the licensed insurance professionals at Alta Vista Insurance Agency in Carlsbad, CA, obtaining flood insurance is an essential homeowner safeguard; however, standard home insurance policies don’t provide coverage for flood damage, so a separate policy is typically recommended for the necessary coverage.

Floods rank among the most common and costly U.S. natural disasters because even properties not located in defined high-risk flood zones can experience flooding from a number of issues – atypical weather, poor drainage, etc.

What You Need To Know About Flood Insurance

Homeowners can take proactive steps to protect from financial losses created by the devastating impact of floods by purchasing flood insurance. Without flood insurance, homeowners will likely be left to bear the cost of the repairs after a flood event occurs.

What Does it Cover?

Flood insurance typically covers the actual structure of your home plus the home’s contents/belongings. For example, coverage would include, in part, damage/loss to –

  • Floors.
  • Electrical Systems.
  • Walls/Ceilings.
  • Furniture/Appliances/Personal Belongings, etc.

Review your flood policy carefully to understand its exclusions and limitations. Factors that may influence coverage options include –

  • Property Location/Elevation.
  • Coverage amount.
  • Flood Risk Zone, etc.

Flood insurance can now be obtained through the National Flood Insurance Program (NFIP) or private insurers – available from Alta Vista Insurance Agency.

  • The NFIP offers coverage for properties in participating communities.
  • Private flood insurance may provide additional coverage where NFIP coverage is restricted or unavailable.

Contact a Leading Carlsbad, CA Insurance Company 

If you’re unsure about your home’s flood risk or want help deciding the best flood insurance approach, contact a team member at Alta Vista Insurance Agency at 888-724-2124 or online.

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All You Need to Know About Flood Insurance in California

California is a beautiful state full of outdoor adventures. It provides residents with numerous reasons to like the Golden State, including its stunning beaches, mountains, valleys, lakes, and captivating deserts. However, wherever you live in the state, there is one thing that you cannot – avoid. For this reason, if you own a property in California, it is important to consider getting flood insurance.

Alta Vista Insurance Agency in Vista, CA serves Californians with all their insurance needs. Here, we help you understand more about flood insurance in the Golden State. 

What Should You Know About Flood Insurance In California?

  • It is a separate type of insurance. That means that standard home insurance does not cover any flood damage. If you want to protect your home, you have to purchase flood insurance as a separate coverage. 
  • Coverage options. Typically, flood insurance covers both the building’s structure and its contents. Make sure you have adequate protection for both your home and your possessions because coverage limitations can vary.
  • 30-day waiting period. There is usually a 30-day waiting period before the flood insurance you purchased kicks in. Therefore, it is better to plan ahead than to wait until the last minute.
  • Change of flood zones. Two factors that could enhance the risk of flooding are urbanization and changes in weather patterns. Make sure to regularly assess the flood danger for your property.

Reach Out To Us

If you are thinking about getting flood insurance to protect your property in California, it is a smart decision. We at Alta Vista Insurance Agency are here to help you choose the right insurance policy. We work with clients from Vista, CA and other surrounding areas.  Give us a call today for more information, 

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How Flood Insurance Works

Flood insurance is a very important type of insurance, but it is ignored by a lot of people. Many simply don’t get this insurance because they think that they don’t need it. However, it’s important for everyone to have this insurance if they own a home. Floods can be extremely costly disasters, and they may even mean that a home needs to be rebuilt. When you don’t have a flood insurance policy, call us at Alta Vista Insurance Agency in Vista, CA.

Flood Insurance: The Basics

Government Backing

The government stands behind flood insurance policies, backing them through the National Flood Insurance Program. This program ensures that funds are there if a policyholder has flood damage to their home. It’s important to have this insurance in place because home insurance doesn’t include coverage for floods. Many people assume that it does and never think to get flood insurance. But, to be covered for floods, you have to have this separate insurance policy.

The National Flood Insurance Program makes flood insurance from insurance agencies like ours, but it controls the prices. This means that there’s no reason to shop around as the price for it is always the same. 

Flood Insurance Claims

Those who do know a little about flood insurance policies may assume that they don’t need this coverage because they aren’t in an area that’s at high risk for flooding. The problem is that 20% of all flood claims come from areas that aren’t in flood zones. This is a common occurrence, and if flood insurance isn’t in place, homeowners can lose their homes and be unable to afford to rebuild or repair the damage. 

Get Flood Insurance Today

Don’t be caught in a flood without the right insurance for it. Call us at Alta Vista Insurance Agency if you are in the greater Vista, CA area and we will be happy to assist.

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Why You Need Flood Insurance

Flood insurance is an important type of coverage that everyone should have. It’s a unique type of insurance that many people don’t think about getting. However, it’s a vital type of protection that you should have for your home. If you don’t have flood insurance, call us today at Alta Vista Insurance Agency in Vista, CA.

Home Insurance and Floods

Floods can be caused by a number of different things, and many of these types of floods are not covered by home insurance. If you don’t have flood insurance, that means that you will pay for all of the damage that is done by the flooding. This can be an extreme amount of damage that may be prohibitively expensive to pay for. Flood insurance can pay for that damage as well as any rebuilding that needs to happen after a flood. 

Why Everyone Needs Flood Insurance

 It’s common for people to not be interested in getting flood insurance if they don’t live in an area that is a high-risk flood area. These areas are generally near water and have a history of flooding. The problem is that among flood claims, about 20% are from areas that aren’t one of these high-risk areas. Without flood insurance, those homeowners would have to pay for all of the damage by themselves. The National Flood Insurance Program has recommended that everyone should have flood insurance. 

Pricing for Flood Insurance

Flood insurance is sponsored by the government through the National Flood Insurance Program. The program backs these policies and sets the pricing. That means that no matter where you get your flood insurance, the cost is always the same. This is helpful to people who don’t want to have to shop around for the best price on a flood policy. 

Get Your Home Covered Against Floods

When you need flood insurance, call us at Alta Vista Insurance Agency in Vista, CA.

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Flood Insurance Explained

You might think that your home is safe from floods because you have never seen anything more than a puddle in your yard. Unfortunately, every home is at risk of floods. Floods are unpredictable and can happen near the coast and in dry areas. According to FEMA, about 99% of all American counties have been ravaged by floods since 1996!

And here is another problem. When floods strike in Vista, CA, your home insurance doesn’t protect your home. Unfortunately, no amount of sandbags can hold back flooding. For this reason, you need a stand-alone flood insurance policy from Alta Vista Insurance Agency for optimal protection.

Is flood insurance mandatory?

Although no law in Texas requires flood insurance, if your home or business is mortgage-financed, your lender may require you to purchase flood insurance if you live in a flood-risk zone. In contrast, persons living in low-risk areas may see flood insurance as an unnecessary expense, but flood insurance cushions you from dipping into your savings when floods strike.

What does flood insurance cover?

Whether it’s flash flooding or hurricane flooding, water causes extensive damage to your home. To put this in perspective, a one-inch rise in water levels results in repairs to the tune of $25,000 and above! 

When you buy flood insurance, it protects the below:

  • Building: This covers electrical and plumbing systems, furnaces, carpets, detached garages, and other fixed appliances. 
  • Contents: Covers personal items like furniture, electronics, curtains, ovens, and so forth.

Where to buy flood insurance

You can buy flood insurance from NFIP. This coverage has a 30-day waiting period and covers your building up to $250,000 and contents up to $100,000. Besides, you can purchase flood insurance from private carriers. And the beauty of private flood insurance is that it provides better coverage than NFIP.

Buy flood insurance today!

Are you in Vista, CA, looking for flood insurance? Please get in touch with Alta Vista Insurance Agency for an affordable quote. 

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4 Common Misconceptions about Flood Insurance from Homeowners

4 Common Misconceptions about Flood Insurance from Homeowners

According to an article from Property Casualty 360, the amount of rain or snow falling from the top 1% of intense storms has increased in every region. Add to that the problem of antiquated infrastructures and sewer systems plus overbuilding and dwindling wet spaces, and the threat of flooding can affect anyone, anywhere. From 2008 to 2012, the average residential flood claim amounted to more than $38,000, according to the National Flood Insurance Program (NFIP). Yet most consumers don’t know what they can do to protect their homes and belongings against a flood event. Top misconceptions about Flood insurance

  1. “I don’t have to worry about flooding because I don’t live near a body of water.”

Haven’t you been watching in the news about random flooding in places like Arizona and Nevada? Standard NFIP policies cover damage from overflow of inland or tidal water, unusual and rapid accumulation or runoff of surface waters from any source, and mid flow.

  1. “I don’t qualify for government flood insurance because my property isn’t located in a flood plain.”

NFIP can provide coverage available to any homeowner, regardless of their location, through two separate client segments: standard and preferred (B, C and X zones), and high-risk locations (A and V zones). Carmody estimates that 25% of all flood claims come from preferred or standard locations.

  1. “I can’t afford flood insurance.”

In NFIP’s standard and preferred areas, annual premiums can start as low as $415 a year for $250,000/$100,000 in coverage.

  1. “I already have homeowners’ insurance, so I’m covered if my house floods.”

In the deluge of claims following Super-storm Sandy, many policyholders did not know that their homeowners’ coverage did not include flood. Let Alta Vista Insurance Agency walk you through the process of how a flood policy works. Although the standard homeowners’ policy does not cover overflow of inland or tidal waters, it does include coverage for damage from cracked pipes or other internal systems failure, he says. Additionally, sewer backup coverage is available by endorsement. See? There aren’t any more excuses to avoid flood insurance. Call us (888)724-2124 and we can work up a quote in minutes.

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