Flooding is the most common hazard in the US and this exposure is not covered by your home owners policy. And for the Sacramento area, flooding hazard is high on the list for catastrophic disasters. Having the right coverage can protect what you and your family own and need to replace.

If you rent, this policy will protect what you own, provide liability coverage, and extend additional living expense, This policy is inexpensive and provides a great deal of protection.

This type of insurance will pay above your current auto and homeowners policy in the event of a catastrophic liability suit. When your current liability limits are exhausted the umbrella will then take over and pay up to the limits you request. Typically umbrella coverages have increments of $1 million, $2 million, $3 million, $5 million, and $10 million. The cost is minimal compared to the comfort of knowing your covered.

The value of a boat is not important until a loss occurs and then to replace or repair the craft then becomes all to critical to the owner. Whether on land or water is your craft protected, how about all of your belongings or in the event of a liability suit are you protected?

This type of coverage is much more than just an auto policy, it covers your personal property, liability in and around your RV and provides for additional living expense when it is damaged.

Whether you own one or a hundred you need to be confident that all you work for is protected. This type of insurance it different than your typical homeowners policy. There are added coverages that should be added to this type of policy to properly insure you and your investment.