Flood insurance — because most home policies don't cover it
Flooding can happen anywhere, and just one inch of water can cause thousands of dollars in damage. Flood insurance fills the gap a standard homeowners policy leaves open.
Flood Insurance: what it can cover
Flood insurance can include:
Structural damage
Repairs to your home's foundation, walls and systems — electrical, plumbing and HVAC.
Personal property
Coverage for furniture, electronics, appliances, clothing and valuables.
Cleanup costs
Help with debris removal and cleaning after a flood.
Temporary living expenses
Coverage if your home becomes temporarily uninhabitable.
Who needs flood insurance?
Anyone who wants to protect their property from unexpected water damage. Even areas outside high-risk flood zones can flood. Homeowners, renters and landlords can all be covered.
Coverage, limits and exclusions vary by carrier and policy. We'll walk you through the details of any policy before you buy.
Why DeWitt Insurance
- Independent agencyWe aren't tied to one company — we compare multiple carriers to find coverage that fits.
- Serving California since 1978Decades of experience helping families and businesses choose the right protection.
- Local office1081 Borden Rd., Ste. 107 in Escondido, serving Temecula, the Temecula Valley and North County.
- A real person answersCall (760) 747-9596 Monday–Friday, 8:30 AM – 4:30 PM.
Common questions
Isn't flood covered by my homeowners insurance?
No — most standard homeowners policies exclude flood damage. You need a separate flood policy for that protection.
Do I need flood insurance if I'm not in a flood zone?
Flood insurance is worth considering regardless of flood zone. Talk with us for a quick review of your risk.
What kinds of flooding are covered?
Flood policies cover water damage from events like heavy rain and water surges.
Ready to compare your options?
Get a free, no-obligation quote — or call and talk it through with a real person.