Get Flood Insurance San Jose CA & Save Money Too.
People in San Jose CA save on average $500 to $1,457+ on their annual flood premiums.
In many cases, we save them even more. Get the cheapest flood insurance in San Jose, CA, without sacrificing coverage.
Flood Insurance San Jose CA
Standard Homeowner’s Insurance Does NOT Cover San Jose CA Flooding
A typical California homeowner’s policy is written through Farmers, State Farm, Allstate, or Progressive. These policies protect your home from things like fires and theft. But what they don’t cover is damage from flooding.
Go ahead, ask your homeowner’s agent to add a flood endorsement to your policy, and watch them laugh. But it’s not funny.
In most cases, the only way to get flood coverage in flood zones in San Jose CA is by purchasing a separate flood insurance policy. And unfortunately, most local insurance agents will just stick you in the National Flood Insurance Program (NFIP) – easy for them – expensive for you.
Flood Nerds are Flood Insurance Specialists. We look for and often find you great coverage and rate and the search is free.
Do You Really Need Flood Insurance in San Jose California?
The NFIP had a stranglehold on the flood insurance San Jose CA markets for years. Too many people think if they aren’t in a high-risk flood zone map so they don’t need coverage. And they find out they’re wrong the hard way.
“It never rains in California….it pours man it pours”
Albert Hammond 1972
That popular song from the ’70s is still true today. California sees more than its fair share of flooding. Especially in the Santa Clara county flood areas. And all the fires cause more risk as vegetation is no longer holding back mudslides.
Even if you are in what NFIP calls a “low-risk area” you are still at risk. That’s because 20% of all flooding events in the US every year happen in those “low risk” areas.
Maybe you thought about buying flood insurance when you bought your house but said “Naw – the lender doesn’t require it so I must not need it”. Your real estate agent may have even told you it wasn’t necessary.
Or maybe you saw a big storm coming and thought about the risk of flooding. But by then it was too late to buy a policy. You dodged the bullet that time. But what about the next?
Just because the flood zones in San Jose CA. consider your property a “low risk” it doesn’t mean you aren’t at risk.
The government has been collecting flood data for the last 50 years in San Jose CA. This data shows that recent major storms resulted in the damaging flood are in these low-risk areas. And 90% of people who had floodwater in their homes after these flooding storms didn’t have flood insurance.
Don’t buy the lie about low risk – buy flood insurance!
"Same Coverage at a Better Rate"
Flood Nerds will shop the private flood insurance markets and then compare them to the NFIP, guaranteeing you the better option. We will send you the cheapest flood insurance rates within minutes.
"Quick Response, Very Knowledgable"
– Robert W
Paying for low-cost flood insurance is awesome. And letting the Flood Nerds shop your property has other benefits – you can get better coverage while saving money, and you can get it fast.
"Would highly recommend Better Flood for your flood insurance needs."
– Varun K