El Niño is here, make sure you have flood insurance!

As the El Niño season continues, it’s important to be prepared with flood insurance. You may think that you’re ineligible or that you don’t need it or that you’re already covered under your homeowners insurance, but you could be wrong. Whatever reason has delayed you from purchasing flood insurance, wait no more. You need flood insurance to keep you safe from costly damages. Here’s what you need to know about flood insurance:

About Flood Insurance.

Flood insurance became available to the public in the 1960s after the National Flood Insurance Program required flood insurance to be offered. While the program is mandated by a federal organization, you purchase your insurance through a private agency.


Flood insurance helps to protect the structure of your building, whether it may be an office building, apartment building, single family home, or personal property. However, keep in mind that there is a limit to your coverage. Financial assets such as precious metals, stocks, and bonds are not covered, nor are properties that are not immediately inside the structure like patios and swimming pools.

Flood Insurance Qualifiers.

Flood insurance is for everyone. Whether you’re a homeowner, business owner, or renter, you qualify for flood insurance and you should purchase it. If you’ve experienced flooding before or if you live in a high-risk zone, no problem, you’re still eligible for flood insurance. Plus, even if you live in a low to a moderate risk area, there’s no such thing as no risk. You’re eligible to qualify for flood insurance too!

Waiting Period.

Just be aware that there is a waiting period before your policy takes effect. You must wait 30 days from the purchase date for your policy to become active.

Don’t wait any longer, make sure to get your flood insurance today. Contact the professionals at Randy Jones Insurance Services, in Pleasanton, California, for assistance finding the right insurance policy for your needs.