Protection from the unexpected.
Flood Insurance
Standard homeowners and renters policies do not cover flood damage — and many Bay Area residents are surprised to learn they’re exposed to risks they didn’t expect. Whether you live near the Albany waterfront, in a creek-adjacent Berkeley neighborhood, or in a low-lying part of Oakland, flood insurance helps protect your home and belongings from rising water and severe weather.
Coverage that keeps you prepared.
Whats included
Flooding can happen anywhere — especially with California’s changing climate, heavy winter storms, king tides, and overburdened drainage systems. Flood insurance provides essential protection for building structures, personal property, and major losses caused by rising water. We help homeowners, renters, and condo owners choose the right coverage based on FEMA flood zones and real Bay Area conditions.
01
Building Coverage
Helps repair structural damage to your home, condo unit, or rental interior (if you have building responsibility). Covers walls, flooring, electrical systems, appliances, and more — critical after water intrusion or storm surge.
02
Personal Property
Protects your belongings — furniture, electronics, clothing, tools, and valuables — from flood damage. Especially important for ground-floor units, garages, storage areas, and older Bay Area homes with vulnerable foundations.
03
Foundation & System Protection
Covers essential components like electrical systems, plumbing, HVAC, water heaters, and built-ins. Flooding often damages basements and crawl spaces; this coverage helps restore your home to safe, livable condition.
04
Basement & Crawl Space Coverage
Limited but valuable coverage for certain items in below-grade spaces, including structural elements and essential systems. Important for Albany, Berkeley, and El Cerrito homes built on sloped lots.
05
Flood Debris Removal
Covers cleanup and professional debris removal — often one of the most expensive and overwhelming parts of recovering from a flood.
06
Optional Excess Flood Coverage
For high-value homes or areas with increased flood exposure, we can secure additional coverage limits beyond standard NFIP options through private flood insurers.
Why Flood Insurance Matters
California’s weather patterns are shifting — and the Bay Area sees more intense winter storms, clogged drainage systems, and rising water levels than ever. Even properties outside designated flood zones can experience water damage from heavy rains, hillside runoff, or overwhelmed storm drains. Flood insurance protects your home, finances, and peace of mind when nature becomes unpredictable.