Flood Insurance San Jose CA
Here’s the 408 and 699 on Flood Insurance in San Jose CA from the people who know it well – the Flood Nerds™
Standard Homeowner’s Insurance Does NOT Cover San Jose CA Flooding
A typical California homeowner’s policy is written through Farmers, State Farm, Allstate, or Progressive. These policies protect your home from things like fires and theft. But what they don’t cover is damage from flooding.
Go ahead, ask your homeowner’s agent to add a flood endorsement to your policy, and watch them laugh. But it’s not funny.
In most cases, the only way to get flood coverage in flood zones in San Jose CA is by purchasing a separate flood insurance policy. And unfortunately, most local insurance agents will just stick you in the National Flood Insurance Program (NFIP) – easy for them – expensive for you.
Flood Nerds are Flood Insurance Specialists. We look for and often find you great coverage and rate and the search is free.
Do You Really Need Flood Insurance in San Jose California?
The NFIP had a stranglehold on the flood insurance San Jose CA markets for years. Too many people think if they aren’t in a high-risk flood zone map so they don’t need coverage. And they find out they’re wrong the hard way.
“It never rains in California….it pours man it pours”
Albert Hammond 1972