When Water Rises, Be Ready
Standard homeowners insurance doesn’t cover flood damage—but flood insurance does. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we help homeowners and renters in flood-prone areas protect their property and peace of mind. Whether it’s a sudden storm or a slow-rising threat, having flood coverage means you’re prepared—before the water hits the doorstep.
The best time to get flood insurance? Before you need it.
Is flood insurance included in my homeowners policy?
No. Standard homeowners insurance typically excludes flood damage. You’ll need a separate flood policy for protection against rising water and related damage.
Who needs flood insurance?
If you live in a moderate to high-risk area—or even near creeks, lakes, or runoff zones—it’s worth considering. Floods can happen anywhere, not just in designated flood zones.
Is coverage available through the government or private insurers?
Both. We offer policies through the National Flood Insurance Program (NFIP) and select private insurers, depending on your location and risk.
How long does it take for coverage to begin?
NFIP policies usually have a 30-day waiting period, so it's best to secure coverage well before storm season starts.
Comprehensive Coverage for What Water Can Ruin
Flood insurance typically covers the structure of your home and major systems, as well as personal belongings—depending on your policy type. Whether you’re a homeowner, condo owner, or renter, we’ll walk you through your options so you know exactly what’s covered.
Guidance From Agents Who Know the Terrain
Living in Idaho or California, we’ve seen how fast weather can change. We help our communities assess flood risk, navigate FEMA zone maps, and choose the right protection based on your property and location. Our goal is to help you stay one step ahead—so the unexpected never leaves you unprepared.