Specialized Property Coverage

Protection for the Gaps Standard Policies Miss

Most homeowners and landlords don’t realize their standard property insurance likely excludes damage from floods, earthquakes, or severe windstorms. We help you fill those gaps with specialized property insurance built for the risks that come with where you live—and how you live.



From California to high-risk zones nationwide, we offer clear, affordable coverage that protects you when it matters most.

A blue house with a sign on the side of the road in front of it.

What We Cover

  • Flood Insurance: Covers damage caused by rising water due to storms, levee failures, or heavy rain. Often required in FEMA-designated flood zones.


  • Earthquake Insurance: Provides coverage for structural damage, foundation repair, and rebuilding costs following seismic activity—critical in states like California.


  • Windstorm Insurance: Protects against damage from high winds, hurricanes, or tornados—especially important in coastal or storm-prone regions.
Why It Matters

Because Risk Doesn’t Stop at the Front Door

Flooding. Fault lines. Fierce storms. If your property is in a high-risk area, standard insurance won’t be enough. And by the time disaster strikes, it’s too late to fill the gap.



We help homeowners, landlords, and investors secure specialized protection that matches their environment—so you’re not left holding the bill after the unexpected.

FAQ

  • Isn’t flood damage covered under homeowners insurance?

    No—flood damage is almost always excluded from standard homeowners policies. Flood insurance is a separate policy, often required in designated flood zones.

  • Do I need earthquake insurance if I live in California?

    While not required, it’s highly recommended. Earthquake insurance covers repairs and rebuilding costs that could otherwise be financially devastating.

  • What’s considered a “windstorm”?

    A windstorm is typically defined as a storm with strong or damaging winds, including hurricanes and tornadoes. If you’re in a region prone to these, it’s worth having dedicated coverage.

  • Can I bundle flood or earthquake insurance with my home insurance?

    They’re usually separate policies, but we can package them efficiently with your existing coverage to simplify billing and management.

  • Is specialized coverage expensive?

    It depends on your location and property type. We’ll help you compare rates and find a cost-effective solution that balances risk and budget.

Get In Touch Today

Cover the Risks Others Leave Out

Don’t wait for the storm—or the shaking—to find out you’re not covered. We’ll help you get the specialized protection your property truly needs.