Flood Insurance Agent California

Flood Insurance CaliforniaFlooding is a prevalent natural disaster which occurs in the state of California. For more than a decade, Rai’s Insurance has been the most trustable flood insurance provider in California offering flood insurance policies at economical price and is also one of the best flood insurance companies in California When buying a house in a designated high-risk flood area on loan, the lender (Federally regulated) requires flood insurance coverage. The flood insurance policy comes into effect 30 days after the premium is paid.


Generally, flood insurance covers any direct physical loss to the property from flood which includes a condition of partial or complete flooding of more than 2 acres of normally dry land area (including your property) due to:

  • Overflowing of inland or tidal waters
  • Unexpected deposit or runoff of surface waters from any water source

Mudflow – refers to large amount of flowing mud in water on normally dry surface when earth is carried by a current of water.

How Much Does Flood Insurance Cost?
home insurance for flood areas
The actual cost of flood insurance could vary based on multiple factors including your current location, flood-prone rating by the federal government, the areas covered by the policy and the value of items that you have in your home. Before you start to explore home and flood insurance plans available, you can check out the NFIP flood risk maps that indicate the zone where your home is located. It will help you
understand how important it is to buy insurance and the value you should be aiming for in case you go for a compensation.

Is Flood Insurance Mandatory?

Home insurance for flood areas is mandatory in some cases when they are warranted by a lender if your home is under a mortgage. The lender expects to have the property protected because you still owe them money. In case there is a flood that damages the house, they will incur losses which is why an insurance is being requested especially if you live in a high flood zone which is prone to risk throughout the year.

In other cases, the community’s decision will affect an individual owner’s willingness to purchase flood insurance and protect them against natural disasters. You can check out the NFIP Community Status Book which should make it easier for you to know if your community is participating in insurance programs and will allow you to buy it.

When do People Buy Flood Insurance Coverage?
home and flood insurance
As a typical homeowners insurance will not cover or compensate for damages caused by flood, buying home and flood insurance will give you the peace of mind. Your beloved property will be protected against any damages and if you opt for a premium policy with wider coverage, you will also receive compensation to restore household items in case a low-level flood occurs due to heavy rainfall. Fema.gov has officially warned people that a few inches of water could cause a whole lot of damage and being insured could save people from incurring irreparable financial loss.

It’s not always about huge floods but rather torrential rains and imminent changes in weather conditions could cause damages now and then. The home insurance for flood areas and those that live in a low to medium area can also benefit by opting for a policy. Get in touch with an insurance agent to know more about the policies available and there are options to bundle multiple policies together so as to get the best discounts.

Why Us?

If you are speculating where to buy flood insurance from, then here is the answer. Rais Insurance is an expert flood insurance agency in California where you can get the best quote for both home and flood insurance in California, it plays a  significant role for providing security to the residents as many regions in the state are prone to flooding. Thus, a flood insurance policy helps you tackle any difficult situations
which might occur from the natural calamity.

Before opting for a policy from a flood insurance specialist in California, you should always prefer for additional information and inclusions and exclusions. The policy will take effect 30 days after it is purchased. Get the best possible quote and offers on flood insurance policy from Rai’s Insurance.