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Flood Insurance

Protecting Homeowners and Businesses

Flooding poses numerous different risks, including structural damage, asset loss, personal injury, and electrical fires. These and other risks can be very costly, and for this reason people need protection. Insurance provides this protection and at Riskguard Insurance Solutions, Inc. we have a complete flood insurance program. We write solutions through this program that are customized to the needs of individual clients and we’ll write a customized solution for you. You’ll have the greatest possible protection for the right price.

Flood Insurance Coverage Details

Recently in California dams that were built in the 1900s have begun to falter as a result of deterioration, and the consequences of this deterioration include that floods are more likely in specific areas.  This is one reason among other reasons why Californians need flood insurance. This type of insurance generally protects structures and belongings and it protects against personal injuries.  It’s a standalone policy.

There are two primary types of flood insurance coverage, and these are replacement cost value (RCV) and actual cash value (ACV).  Sometimes you can choose which of these two types of coverage to have for your flood insurance policy and other times you cannot. The National Flood Insurance Program (NFIP) determines that certain coverages can be had at RCV and other coverages can be had at ACV. An advantage however, of working with an independent insurance agent is that he or she can provide you with greater coverage options than the federal government can.  At Riskguard Insurance Solutions we can provide you with these options.

If you want to determine the flood-risk level of the area in which you live, use the FEMA Map Service Center’s search tool.  Your flood insurance costs will be determined in part by the level of flood risk in your area.

What you can expect

In the event of a flood you’ll need coverage that keeps you from suffering financial losses that are unnecessary. You’ll also need someone who can support you through the process of contending with the flood. At Riskguard Insurance we work closely with you to ensure that you have the right solution. Once this solution is in place we monitor it regularly and we keep you informed. We actively manage risk so that you don’t suffer undue losses and so that you have less of a chance of having to use your insurance.

We’re reachable at almost all times, so if you need to get a hold of us, you can.

Please contact us or give us a call to learn more. You can request a quote if you're ready to get started.


Additional Flood Insurance Information:

Riskguard Insurance Solutions is proud to provide flood insurance in San Francisco, Los Angeles, San Jose, Sacramento, San Diego, and Stockton, CA.  We also serve other areas in the state and we serve Oregon, Nevada, Arizona, and Texas

Our Location

Riskguard Insurance Solutions

422 Presidio Ave.
San Francisco, CA 94115
Main office: 415-202-6869
Fax: 415-447-4181

Our Providers


Thank you to Christine who went above & beyond to lend a helping hand by providing us with quotes for our food truck business (which is a fairly new category to cover in the insurance world, I'm told). She was super patient with all of our questions, was prompt in communication, and is an all-around wonderful gal! Aside from our small business, I trust her to take care of my personal assets too

Sophie F.
I've used the Irene Herman Insurance for a few of my insurance needs! They helped me find health insurance when I was down and out and had pre-existing conditions (before Obamacare came along), and we worked long and hard to find a policy that would work for me. Also, they helped me find a better deal for my home insurance, and they're there when I need help to look for better car insurance rates. They're constantly on the look out for me and let me know if I can ever find better rates with another company, so I know they're on my side. It's a small family business, and they're good, kind people. I'm happy to work with cool people like this.

Katie H.
For the past year, Irene Herman Insurance Services has helped me and my business with a variety of insurance needs. They have consistently provided excellent and prompt service. I discovered Irene Herman Insurance via a website (don't remember which one) to request quotes for w/c, general and professional liability insurance for my business. I was contacted right away by Geoff Herman. Geoff was a huge help in helping us obtain the insurance we needed for a contract with the City of LA at a reasonable price. This was no small feat - we knew of a similar business that was having a hard time getting the E & O insurance. (We recommended them to Geoff and he helped them out, too.) Geoff also helped us with changing our medical and dental insurance for our business. For our personal insurance needs, Geoff helped us obtain life insurance and Iris Htwe assisted us with renters insurance. They are always available to answer questions and they respond very quickly to my emails. We've relied on Irene Herman Insurance Services for a number of different insurance needs over the past year and it has put my mind at ease to have them on my team.

Linda R.
I am not the type to write reviews but Geoff's service has been so amazing during a recent emergency situation that I decided to take a minute and offer my praise. Geoff's service has been excellent from the beginning. Promptly returns phone calls, excellent pricing, excellent knowledge of the industry, calm during a crisis, and a nice guy as well. And when the crap hit the fan recently, he went the extra mile repeatedly

David A.