Flood Insurance in Glendale, Los Angeles & Across California

Most homeowners, renters and business property policies do not cover flood damage. A separate flood insurance policy helps protect your home and belongings from rising water, heavy-rain runoff and mudflow. As a local Farmers agent in Glendale, we help families and business owners throughout Los Angeles County and California get flood coverage in place before the rainy season.

What Flood Insurance Can Cover

  • Building coverage for the structure and foundation, electrical and plumbing systems, furnace, water heater, central air conditioning, built-in appliances, and permanently installed cabinets and carpeting

  • Contents coverage for furniture, clothing, electronics, washers and dryers, and food freezers (valuables such as artwork and furs are limited to $2,500)

  • Common causes of flooding such as overflowing rivers and washes, heavy-rain runoff, and mudflow

  • Increased Cost of Compliance of up to $30,000 to help bring a substantially damaged home up to local floodplain building requirements

How It Works

We offer flood insurance backed by the National Flood Insurance Program (NFIP) through Farmers. Homes can be insured for up to $250,000 on the building and $100,000 on contents, and commercial buildings for up to $500,000 on the building and $500,000 on contents. Building and contents coverage are purchased separately, each with its own deductible, and renters can buy contents-only coverage.

Plan ahead: a new NFIP policy generally takes effect 30 days after purchase, so coverage needs to be in place before storms are in the forecast.

What Flood Insurance Does Not Cover

  • Temporary living expenses while your home is being repaired

  • Vehicles, which are covered for flood under the comprehensive coverage on your auto policy

  • Landslides, earth movement and earthquakes, which require separate coverage

  • Outside property such as pools, decks, fences and landscaping, and most items in basements

Who Should Consider Flood Insurance?

  • Homeowners near hillsides, washes or creeks

  • Anyone in or near a mapped flood zone (we can help you check yours)

  • Homeowners outside high-risk zones, since flooding can happen anywhere it rains

  • Renters who want their belongings protected

  • Business owners with property and inventory at street level

For a complete guide, read our article Flood Insurance in California: What You Need to Know Before This Winter's Storms. Flood coverage pairs well with homeowners and earthquake insurance.

Get a Flood Insurance Quote

Call (818) 459-3400, email agasparyan@farmersagent.com, or visit our office at 372 Arden Ave #103, Glendale, CA 91203.

This page is for general information only and is not a guarantee of coverage. Whether a loss is covered is determined by the insurer under the terms, conditions and exclusions of your policy at the time of the claim. Flood insurance is subject to program rules, limits, waiting periods, underwriting and availability. CA License #6014107.