Think you need to live near water to need flood insurance? Think again.
The National Flood Insurance Program (NFIP) was instituted in 1968 by the Federal Government. At that time, insurance companies were unable to provide flood coverage due to the localized nature of the peril which makes it impossible to obtain coverage. Flood insurance normally covers losses related to:
An overload of inland tidal waters
Abnormal and rapid accumulation of runoff of surface water from any source
Mudslides caused by accumulation of water on the ground or underground
Collapse of land as a result of excessive erosion due to flood
We understand that Flood coverage is not necessary for all Californians to have. We can make this determination by discussing with you where your home is located, if you are on a flood plain and what coverage is available in your area. It is important to note, water spray, pipe breakage, and sewer backup into a dwelling are not considered flooding losses.
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We can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs.
We give you multiple ways to save money when you choose more than one insurance policy.
24/7 Claims Hotline
Because accidents, thefts, or anything can happen any time, you can call us any time. We have claims experts on call to help walk you through the claims process and provide a quick, quality response.
Don't Just Take Our Word For It
See what our customers are saying about us.
“I have been a homeowner in Santa Barbara for the past 26 years. I live in a high fire area where it can be difficult to get good homeowners insurance. For years I was forced to use California Fair Plan. Jeff and Luke at OS Insurance Services were able to find me a policy with much better coverage at a better price. They return my calls promptly and are always friendly and professional. I give them my highest reference and my thanks for making what can be a difficult process almost enjoyable."
Business Owner and Photographer
“I have been with OS Insurance for three years, both auto and home. They had the best price I could find and their service has been blue ribbon. I have two teenage drivers and need all the help I can get... Jeff and Luke are the best. I highly recommend OS Insurance Services. "
“I have been with OS Insurance Services for years and they are awesome. Jeff and Luke make insurance easy. I was originally with State Farm and OS Insurance not only saved me 30% on my insurance package but also gave me BETTER COVERAGE! They have also helped me with my Window/Door Company and have helped me save money there! I have recommended several of my family members and would recommend Luke and Jeff to anyone who needs help with any of their insurance needs."
Window and Door Sales
“After reading and agreeing with all of the consumer complaints about California Fair Plan we were so relieved to find something better ... a great alternative is working with OS Insurance Service."
Thousand Oaks Resident
“Finding OS Insurance Services was like a dream come true because the California Fair Plan is not so fair."
Upper Ojai Resident
“The service provided by Jeff and Luke was professional, easy, and we are so pleased to see the difference in our premium cost."
Jane and Tom T.