Flood Insurance in California

Flooding events can occur unexpectedly. Your home may lie in a coastal area, near an inland body of water, or may be affected by heavy snow melts or recent developments that have changed the landscape. Flood insurance was designed to cover the costs of damage from floodwater that enters your home. At Wai Cheng Insurance Agency in Dublin, CA, we help Californians protect themselves against expensive losses from flooding.

Do You Need Flood Insurance?

Flooding that comes from the exterior of your home is not covered under your standard home insurance policy. As a result, damage to your carpeting, flooring materials, furniture, clothing and electronics will not be reimbursed by your insurance company, leaving you to pay for the cost of repairs or replacement out of your savings or from loans. Flood damage can even affect your home’s building materials, which can mean expensive repairs. Flood insurance helps to defray these costs, so you don’t have to bear the expense of restoring your home to normal use. Your mortgage holder may require you to have flood insurance on the property. In addition, if you have received disaster aid in the past, you will be required to have flood insurance coverage.

What Flood Insurance Helps To Cover

Flood insurance covers a number of features of the structure itself, such as the electrical system, plumbing system, furnace, water heater, fuel tanks, well tanks, and foundation. However, it also covers damage to carpeting, large kitchen appliances, cabinets, paneling, and window blinds. The contents portion of your policy covers clothing, furniture, window air conditioners, curtains, and electronic equipment.

Make Wai Cheng Insurance Your Agency for California Flood Insurance

If you have not acquired flood insurance before, our agents can answer your questions and help you determine the right level of coverage for your needs. We offer insurance policies for home, renters, and auto. Contact Wai Cheng Insurance Agency for your free, no-obligation quote on flood insurance that can help you avoid expensive losses from unexpected flooding events.


We serve clients all across California.