Flood / Earthquake

How to Apply for Earthquake Coverage

Applying for coverage is easy! Please click on the Apply Now coverage buttons to the left. A completed application for Earthquake insurance will allow us to approach insurance companies on your behalf.

As a California insurance agency, we've come to know quite a bit about earthquakes—making us experts at insuring the risks associated with them. Since the 1900s earthquakes have occurred on 39 states, and roughly 90% of Americans live in areas considered seismically active—yet only a very small percentage of homeowners actually purchase earthquake insurance.

We know that California homeowners have to deal with earthquake fears on a daily basis; yet only 12% of residents currently have an earthquake insurance policy. With the chance of earthquakes a regular part of California life – and the frequency of more damaging quakes rising – so why the lack of proper protection?

With so many policy options and degrees of coverage to choose from it's not surprising that homeowners get overwhelmed. At Costello & Sons Insurance our years of extensive experience and high-quality insurance knowledge have equipped us with the ability to craft custom, top-of-the-line earthquake packages.

Whether you want to focus on protecting the structure of your home, the contents and your possessions, or want a plan that offers additional living expenses in the event of a truly ruthless quake, then rest assured because at Costello & Sons Insurance we can help tailor a plan specifically to you!

Contact us today, one of our dedicated insurance professionals would be happy to help answer your questions regarding our California Earthquake Insurance packages.

How to Apply for Flood Coverage

Applying for coverage is easy! Please click on the Apply Now coverage buttons to the left. A completed application for Flood insurance will allow us to approach insurance companies on your behalf.

California flood insurance coverage provides protection for destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause serious damage resulting in thousands of dollars in repair and restoration costs.

Homeowner's insurance does not typically cover flood damage—however flooding is ranked the #1 natural hazard in the U.S., occurring in and causing damages in all 50 states. Purchasing a CA flood insurance policy through Costello & Sons Insurance can protect you.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. California flood insurance offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of California flood insurance policies are available based on your property's location and flood history:

Standard Flood Insurance Policies

If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by standard flood insurance. California residents should be aware that the NFIP was established by the Federal Government to help communities who "voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage." To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

Preferred Risk Flood Insurance Policies

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren't required to purchase flood insurance, California residents in low-to-moderate risk areas, should consider a preferred risk policy which will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don't wait until it's too late. From covering overall structural losses to your personal property, we help protect the things that matter most to you with dependable California flood insurance.

There's no reason why you should place your home and livelihood at risk. Contact Costello & Sons Insurance today; we'll get you on the path to superior flood protection with an affordable and comprehensive California flood insurance policy.


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