Earthquake & Flood Insurance
Safeguard your property from the unpredictable and potentially catastrophic losses caused by natural disasters.
Peace of Mind to Weather the Storm
At Manna Insurance, we will partner with you to safeguard your home and belongings from the unpredictable forces of nature.
We specialize in earthquake and flood insurance, understanding the unique risks and challenges that natural disasters can bring.
Whether you're a homeowner looking to protect your cherished property or a business owner securing your assets, we can tailor a policy that suits your specific needs.
With us, you're not just getting insurance; you're getting the assurance that you can weather the storm, both financially and emotionally, knowing that you have a reliable partner in times of crisis.
So what coverage do I need?
Protection in the Event of a Natural Disaster
Earthquake Insurance
Think of this coverage as your trusty shield against the earth's unexpected moves. It helps repair or replace your home and belongings if they're damaged in an earthquake.
Comprehensive
Comprehensive coverage combines earthquake and flood insurance into one package, ensuring you're prepared for whatever nature throws your way.
Additional Living Expenses
If you can't stay in your home due to earthquake or flood damage, this coverage provides a temporary haven. It covers your extra living expenses, like hotel stays and meals, ensuring you're not left stranded.
Building Code Upgrades
If your home needs upgrades to meet current building codes after an earthquake or flood, this coverage has you covered.
Deductible Options
You get to choose your deductible. A higher deductible can mean lower premiums, but be sure you're comfortable with the level of risk you're taking on your insurance journey.
Flood Insurance
This coverage protects your home and valuables from the water's relentless advance, whether it's due to heavy rains, storm surges, or a burst pipe. It's your waterproof armor.
Contents Coverage
This coverage keeps your belongings safe from the wrath of earthquakes and floods. From furniture to electronics, it ensures your valuables are protected.
Loss of Use
If you're forced to vacate your home during repairs, this coverage acts as your tour guide. It helps cover the costs of living elsewhere, making your displacement a bit more bearable.
Personal Property Replacement Cost
If your belongings are lost or damaged, this option ensures you're reimbursed for the full cost of replacing them, not just their current value.
Claim Assistance
In the event of a claim, you don't have to go it alone. We are your trusty support squad, helping you through the process and guiding you to safety.
ON THE PODCAST
ON THE PODCAST
How To Deal with a House Fire or Flood
Living through a house fire or flood is devastating. All your most valuable belongings are taken from you.
In this episode, we sit down with Sam Roth, owner of Service Master Restore, and he guides us through how his team deals with house fires and floods from start to finish and what you can do to prevent common reasons for these accidents.
Ways to Save on Earthquake & Flood Insurance
Check if you can bundle earthquake and flood insurance with your homeowners insurance policy. Bundling can result in cost savings compared to purchasing separate policies.
Bundle with Homeowners
Implement risk-reduction measures to make your property more resilient to earthquakes and floods. This can include strengthening your building's structure, installing flood barriers, and elevating essential utilities and systems. Insurers often offer discounts for properties with reduced risk.
Mitigate Risk
We will obtain quotes from multiple insurance providers specializing in earthquake and flood insurance. We will then help you compare coverage options, deductibles, and premiums to find the most cost-effective policy that meets your property's unique requirements.
Work with a Broker
Frequent Questions About Earthquake & Flood Insurance
Insurance can be complicated and confusing. We’re here to help answer your most common questions about earthquake and flood insurance coverage.
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Earthquake insurance is generally not mandatory, but it's highly recommended if you live in an earthquake-prone area. Some lenders may require it if you have a mortgage on your home in a high-risk region.
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Standard homeowners insurance policies typically do not cover earthquake damage. You would need a separate earthquake insurance policy for this specific coverage.
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No, earthquake insurance policies can vary. It's essential to review the terms, coverage limits, and deductibles to ensure you have the right policy for your needs.
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Flood insurance is not typically required by law for most homeowners. However, if your property is located in a high-risk flood zone and you have a federally backed mortgage, your lender may require it.
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You can generally purchase flood insurance at any time, but there may be a waiting period before the coverage becomes effective. It's advisable to obtain flood insurance well in advance of potential flooding.
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Renters can benefit from flood insurance to protect their personal belongings. While the property owner's insurance may cover structural damage, it won't cover a renter's personal property.
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You can cancel flood insurance, but it's important to consider your flood risk before doing so. Flooding can occur in unexpected situations, and coverage may be essential even in low-risk areas.
More Coverage Options
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Homeowners & Renters Insurance
Make sure you have the right coverage to protect your house and belongings.
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Retirement Planning Insurance
Safeguard your financial future, ensuring a comfortable retirement by protecting your savings and income during your post-work years.
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Life Insurance
Family is so important. Make sure they’re taken care of for life.
Kind Words from Our Customers:
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Ciarra Flint
★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
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AJ Johnson
★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
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Emily Kooistra
★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!
Welcome to the Family
As a Manna Insurance customer, you are not just a number to us. We see you as part of our family and all that goes with being part of the #MannaFam.