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Flood & Excess Flood Coverage from Cal-Nevada Insurance Agency

Although you might think that only those living on the beautiful coastal properties of Lake Tahoe, San Francisco and other parts of the northern California, Nevada and Arizona region need flood insurance, the fact is that even homeowners living outside of high-risk flood zones are vulnerable.

Cal-Nevada Insurance Agency offers flood insurance in Las Vegas, Silicon Valley and beyond, and we provide excess flood coverage for those who wish to extend their insurance limits for contents, structural damage and additional living expenses.

The Basics of Flood Insurance

A basic flood policy under the National Flood Insurance Program (NFIP) covers direct physical damage by floodwater to the insured property up to $250,000. It typically doesn’t insure the contents of a home, although you can enhance a policy, adding up to $100,000 in coverage. If you have a high-value home, you might want to buy excess flood insurance, which can substantially increase the limits of coverage for both the house and its contents. Excess flood policies can also help with the costs of additional living expenses while your property is being repaired.

The Advantage of a Flood Policy

A flood insurance policy covers water damage that a standard homeowners insurance policy doesn’t. A sump pump rider and sewage/drain backup coverage may not cover seepage from groundwater and torrential rains that drainage systems can’t process. Your homeowners insurance will not cover damage to your house or its contents caused by floodwaters, so—without a flood policy—any repairs or replacement of possessions will be out of your pocket. So will additional living expenses you incur if you have to live elsewhere while your home is restored.

About 30% of properties damaged by floods are not in high-risk zones.

For further information or to schedule a meeting with an advisor, contact us at (866) 670-5948, or e-mail us at