Are you required by your mortgage company to have Flood insurance in San Diego in order to close Escrow?  Don’t worry, Flood insurance can be made easy if you are working with a knowledgeable insurance agency that is experienced.  Even if you aren’t in a flood zone, Flood insurance is important to have.

First off, your insurance agent will check to see what type of a flood zone your home (or potential home) is located.  Depending on the area, some zones can have higher rates than other zones.  That’s why it’s important to have the exact address and as much information as possible to get an accurate flood insurance quote.  Premium rates, policy conditions and coverages are established by the National Flood Insurance Program (NFIP) and they do not change regardless of the insurance company or agent providing the coverage.  While you are getting a flood insurance quote, you might also want to request a home insurance quote too.

If you have any questions or need any assistance, please feel free to contact your local San Diego Insurance agent.