The top-rated flood insurance agent in Dana Point, California is Elaine LaVine - State Farm Insurance Agent, rated 4.9 stars across 69 reviews. Other highly rated options include Alina Corbeanu Insurance Agency, Inc./ Farmers Insurance, Ted Bowersox - State Farm Insurance Agent, T D Norton Insurance Services. This directory lists 10 flood insurance agents serving Dana Point.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Elaine LaVine - State Farm Insurance Agent | 34080 Golden Lantern UNIT 105 | (949) 240-8944 |
| 2 | Alina Corbeanu Insurance Agency, Inc./ Farmers Insurance | 3 Monarch Bay Plaza #106 | (949) 681-5041 |
| 3 | Ted Bowersox - State Farm Insurance Agent | 24681 La Plaza #360 | (949) 661-3200 |
| 4 | T D Norton Insurance Services | 34188 Pacific Coast Hwy | (949) 218-3366 |
| 5 | Firey & Associates Insurance Services, Inc. | 24701 La Plaza #103 | (949) 542-7222 |
| 6 | Farmers Insurance - Patrick Prendiville | 24661 Del Prado Ave Ste 3 | (949) 487-9696 |
| 7 | PATRICK CHON: Allstate Insurance | 24672 San Juan Ave Ste 210 | (949) 661-3304 |
| 8 | Farmers Insurance - Terry Anabtawi | 34071 La Plaza #220 | (949) 276-5400 |
| 9 | Mercury Insurance | 34175 Camino Capistrano # 202 | (949) 396-2420 |
| 10 | Farmers Insurance - Rosario Ortega | 34175 Camino Capistrano # 204 | (949) 661-6300 |
Elaine LaVine - State Farm Insurance Agent serves Dana Point and the surrounding Orange County area as a flood insurance agent. The agency assists homeowners and renters with securing coverage to protect against water damage from natural flooding events. Policies are designed to help property owners meet federal requirements while safeguarding their financial investment in the local coastal region. The office handles flood insurance policies for single-family homes and landlord properties.
Alina Corbeanu Insurance Agency, Inc., operating as Farmers Insurance in Dana Point, CA, offers comprehensive flood insurance services tailored to local coastal requirements. The agency develops individualized coverage plans and provides ongoing policy management to ensure clients remain protected against water damage risks. Service plans include regular policy reviews and updates based on changing flood zone designations and property valuations. Maintenance support encompasses assistance with claim filing and risk mitigation advice. The company services single-family homes, apartments, retail establishments, and restaurants.
Homeowners, businesses, and property managers in Dana Point, California rely on Ted Bowersox - State Farm Insurance Agent for flood insurance policies. This agency helps local clients navigate flood coverage options, ensuring properties are protected against water damage risks common to coastal areas. The agent provides personalized guidance on policy details and claims support when needed. They also serve residents and commercial property owners in nearby San Juan Capistrano.
T D Norton Insurance Services in Dana Point, CA specializes in securing flood insurance policies for residential and commercial properties in flood-prone zones. They assist clients with assessing risks and navigating National Flood Insurance Program requirements to ensure adequate coverage. Their work includes evaluating individual property needs and policy options for varying flood hazards. For homeowners and businesses in this coastal area, they help address increased exposure during heavy rain seasons and potential storm surge threats from Pacific weather events.
Firey & Associates Insurance Services, Inc. in Dana Point, CA offers flood insurance as both a one-time policy for specific property transactions and as a recurring annual plan to maintain continuous protection against water damage. Coverage typically addresses structural repairs and replacement of belongings lost to rising floodwaters, with options tailored to local flood zone requirements. A full analysis of property elevation and community flood maps is undertaken before presenting options. Service runs on either a one-time basis for closings or on a scheduled annual renewal cycle depending on the client’s need.
Serving Dana Point and the surrounding Orange County communities, Farmers Insurance - Patrick Prendiville handles residential and commercial flood insurance policies. This agency assists property owners in navigating the complexities of federal and private flood coverage. To address a typical job, the agent begins with a personalized risk assessment of the property’s location and flood zone. From there, a tailored policy is structured to address specific coverage needs and local regulatory requirements, ensuring the client understands their protection clearly.
With winter rains raising flood risks in coastal Dana Point, PATRICK CHON: Allstate Insurance provides coverage tailored to local property vulnerabilities. This flood insurance agent helps homeowners and renters understand their policies for damage from rising water, separate from standard homeowners plans. Clients meet with an agent to discuss their specific exposure near creeks or low-lying areas. The process typically begins with a consultation and review of the property’s structural elevation.
Farmers Insurance - Terry Anbatawi provides comprehensive coverage solutions for residential and commercial properties in Dana Point, CA. Its flood insurance agency specializes in policies that protect against water damage from rising waters and heavy storms, which are critical risks in the coastal region. The agency can tailor coverage for a variety of commercial sectors, including offices, warehouses, and food service operations.
Mercury Insurance provides residential flood insurance for homeowners in Dana Point, helping protect properties from water damage during seasonal storms and high tides. The agency also offers commercial coverage for local businesses situated near the coastline or low-lying areas, serving the entire Dana Point region. Clients typically consult with the agent to assess flood risks and select appropriate policy limits. After securing initial coverage, many homeowners and business owners return for annual policy reviews or to adjust their plans before the rainy season begins.
Farmers Insurance - Rosario Ortega in Dana Point, CA is a flood insurance agent known for guiding property owners through the National Flood Insurance Program. It specializes in assessing local flood zone risks for homeowners and businesses. Clients benefit from personalized coverage recommendations that address Dana Point’s coastal exposure. The agency also helps navigate mandatory flood insurance requirements for mortgage lenders. In addition to standard policies, it offers Excess Flood Insurance for higher-value properties needing extra protection beyond federal limits.
What Does a a Flood Insurance Agent in Dana Point Cost?
Typical flood insurance costs in Dana Point range from 400 to 2,500 per year for NFIP policies, depending on flood zone, elevation, and building characteristics. Private flood insurance may cost 300 to 1,800 annually for similar coverage. California law requires agents to disclose policy details and exclusions clearly. This is general information and not insurance advice.
About flood insurance agents in Dana Point
Flood insurance agents in Dana Point help property owners secure coverage through the National Flood Insurance Program or private insurers. California law requires lenders to mandate flood insurance for properties in high-risk flood zones. Dana Point coastal areas and canyons often fall within Special Flood Hazard Areas, making agent guidance essential for compliance and protection.
Frequently Asked Questions
Do I need flood insurance in Dana Point California?
If your property is in a high-risk flood zone designated by FEMA, your lender will require flood insurance. Even in moderate-risk areas, agents recommend coverage because 25 percent of flood claims come from low-risk zones. California law does not mandate flood insurance for all homeowners, but lenders do.
How do I find a flood insurance agent in Dana Point?
Look for agents licensed in California who specialize in flood policies through the NFIP or private markets. Check their experience with Dana Point specific flood zones like Zone AE or VE. You can verify an agents license through the California Department of Insurance website.
What is the waiting period for flood insurance in California?
Standard NFIP policies have a 30-day waiting period before coverage begins. Exceptions exist for loans closing on a property purchase or for map changes. Private flood insurance may have shorter waiting periods, so ask your agent about options.
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