If you’re planning to buy a home in California, you might be wondering whether flood insurance is something you need to consider before closing. While standard homeowners insurance typically covers many types of disasters, it does not usually protect against flood damage. Taking the time to secure the right coverage now can save you from costly headaches in the future.

Why Start Before You Buy

Flood insurance isn’t just for homes in obvious flood zones. Heavy rains, nearby construction, or sudden changes in drainage can all lead to unexpected flooding. In fact, many flood claims come from properties outside high-risk areas. Mortgage lenders may require flood insurance if your new home is located in a federally designated flood zone. Even if it’s not required, having this protection in place before moving in is often a smart decision.

How to Shop for a Policy

Flood insurance can be obtained from private insurers, such as Friant Insurance Agency, serving Temecula, CA. The process can take 30 days or more to go into effect, so starting early is essential. As soon as you’re serious about purchasing a property, consult with your insurance agent. They can help determine whether the home is in a flood-prone area and explain the available policy options.

Your agent will evaluate the home’s location, elevation, and past flood history to help you find the right coverage. If you’re asked to provide information you don’t have, your real estate agent may be able to assist.

Protect Your Investment from Day One

Buying a home is one of the most significant financial decisions you’ll make. Ensuring it’s fully protected—including from floods—allows you to settle in with greater peace of mind. A local California insurance professional, such as Friant Insurance Agency, serving Temecula, CA, can guide you through your options so that your new investment is covered from the start. Contact us today to learn more.