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BayShield Insurance Services

2570 N First Street Suite 200,
San Jose CA 95131

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California Flood & Earthquake Insurance Coverage

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Flood & Earthquake Insurance in California

Earthquake Insurance in California

While earthquake insurance is recommended in California, it is not mandatory for mortgage holders. However, your agent must offer it to you at least every other year to make sure that you know such insurance is available and its cost. California insurance law requires that you have a homeowner’s insurance policy before you can purchase earthquake insurance. In addition, you must purchase both policies from the same insurance company. Most earthquake insurance policies in California are underwritten by the California Earthquake Authority (CEA.)

There are three parts to an average California earthquake policy. These are coverage for your dwelling, coverage for your personal property and coverage for the cost of temporary housing and additional living expenses while your home is being repaired.

Bayshield Insurance in San Jose, a has been working with people around the state to protect their belongings from earthquakes and ground movement. Contact Bayshield Insurance in San Jose, CA to learn more about your options.

Flood insurance in California

Like earthquake insurance, California flood insurance is an additional policy that goes with your homeowner's policy. This type of insurance covers losses due to overflows of tidal and inland waterways, excess runoff and mudslides. In most cases, there is a waiting period of 30 days between the purchase of such a policy and the commencement of coverage.

To learn more about earthquake and/or flood insurance for your California home or business, contact Bayshield Insurance Services today at (insert contact info here) or visit us online at (insert website address.) We have helped hundreds of Bay area homeowners like you over the years protect their homes from natural disasters.

Bayshield Insurance in San Jose, CA work with homeowners throughout the state to protect their home and businesses. Contact our office in San Jose, CA to discuss your options and learn more.


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