Flood & Earthquake Insurance for Total Protection

Flood and Earthquake Insurance in California, Texas & Nevada | Noyce Insurance

Standard homeowners insurance doesn’t cover floods or earthquakes. Protect your home in California, Texas, and Nevada with specialized coverage. Request a free quote today.

Protect Your Home from Natural Disasters

Floods and earthquakes can cause severe damage, often leaving homeowners with high out-of-pocket repair costs. Since standard homeowners insurance does not cover these disasters, securing flood and earthquake insurance ensures financial protection. At Noyce Insurance, we provide affordable, specialized coverage to help you recover from unpredictable events.

Structural Damage Protection

Covers repairs to your home, foundation, and attached structures after a flood or earthquake.

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Personal Property Coverage

Helps replace damaged furniture, electronics, appliances, and valuables affected by floods or seismic activity.

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Temporary Living Expenses

Pays for hotel stays and other living costs if your home becomes uninhabitable.

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Debris Removal & Cleanup

Covers the costs of clearing out debris, mud, and water damage after a disaster.

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Coverage for High-Risk Zones

Offers specialized policies for homes in floodplains or earthquake-prone regions.

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Frequently Asked Questions About Flood & Earthquake Insurance

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  • Does my homeowners insurance cover flood or earthquake damage?

    No, standard homeowners insurance does not cover damage caused by floods or earthquakes. Separate policies are required for financial protection against these disasters.

  • Who needs flood or earthquake insurance?

    Homeowners in high-risk areas, such as coastal or earthquake-prone regions, should strongly consider this coverage. Mortgage lenders may also require it if your home is in a designated risk zone.

  • What qualifies as flood damage?

    Flood damage includes rising water from storms, overflowing rivers, heavy rain, or sudden water surges. Burst pipes or household leaks are typically covered under homeowners insurance, not flood insurance.

  • How is earthquake insurance different from standard home coverage?

    Earthquake insurance covers structural damage, personal property loss, and additional living expenses specifically caused by seismic activity, which is not covered by traditional homeowners insurance.

  • Can I get both flood and earthquake insurance?

    Yes, many homeowners purchase both policies for complete protection. We can help you find a cost-effective plan that includes both coverages.

  • How do I get a flood or earthquake insurance quote?

    Simply request a quote online, call our office, or speak with an agent. We compare policies from multiple carriers to find you the best coverage at the best price.

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Get Protected from the Unexpected

Natural disasters can strike at any time, leaving homeowners with significant damage and financial burdens. Don’t wait until it’s too late—secure flood and earthquake insurance today. Noyce Insurance helps you find the right protection for your home and belongings. Request a free quote now and safeguard your future.