Natomas Flood Insurance Updates

A Year of Changes in Natomas Area Flood Insurance There have been a lot of changes in flood insurance for the Natomas area in the past year, to make it simple — we have created the below list of the most important things that realtors, lenders, and homeowners should know about the current state of Read More

Flood Insurance: Does My Business Need It?

Flood insurance in Sacramento is a policy that all businesses should have, but so few actually do–is it really that necessary to carry? Natural disasters can be truly devastating to both residences and businesses. While most storm damages like lightning, hail, or wind are covered by commercial property insurance, it will not cover damage that Read More

What is Your Home Insurance Missing?

Did you know your Sacramento homeowners insurance may not cover these costs? When you buy a home insurance policy, you do so in order to protect your home against disasters. Unfortunately, all too many people assume that policy is a catch-all for whatever life throws their way, when, in fact, it’s designed to specifically protect Read More

What El Niño Means For Your Flood Insurance Needs

Do you have the flood insurance you need for El Niño?       If you’ve been living in California for a number of years, you probably remember 1997. During the end of that year, Southern California was slammed with serious storms brought by El Niño. Orange County got more than seven inches of rain in a Read More

Flood Insurance Update – April 2015

Periodically FEMA will make adjustments to the National Flood Insurance Program, or NFIP, that affect the cost and policy features of policies available to homeowners.  NFIP recently announced changes that will affect the Sacramento area, primarily Natomas.  I will summarize the changes below as succinctly as possible, but you can always contact us for specific Read More

Do I have Earthquake Insurance?

No, you don’t. Ok, more accurately, unless you specifically remember buying it, you didn’t buy it. There are 2 big exclusions on a Homeowner’s policy that people worry about and wish they had, but typically don’t buy due to price.  Those two coverages: earthquake and flood.  Earthquake is a coverage that can be added to Read More

Flood Insurance Changes are here again!

Flood Insurance Changes Effective 10/1/2013 On 10/1/2013 the National Flood Insurance Program (NFIP) introduced changes to their pricing methodology.  These changes are a result of the Bigger-Waters Flood Insurance Reform Act of 2012, which extended the NFIP for 5 years.  Biggert-Waters’ primary goal was to make the NFIP financially viable, since the program is currently Read More

More Possible Trouble with Flood Insurance

The National Flood Insurance Program, which operates under funding approved by Congress, is set to expire once again on September 30, 2010.  The program is currently operating under a temporary extension from earlier this year, so this will be the third time in a year that the program is facing a lapse. So what does Read More