Flood insurance provides crucial protection against the destructive force of floods, which are not typically covered by standard homeowners policies. Although not mandated in California, securing flood insurance is highly advisable. Earthquake insurance is also essential, considering California's susceptibility to seismic events. Standard homeowners, renters, and condominium insurance policies do not cover natural disasters like earthquakes, floods, and landslides, making earthquake insurance a vital addition for comprehensive protection. With Laura Ashley, The Agent, you can ensure your property and peace of mind are safeguarded against these unpredictable forces of nature.