Standard homeowners insurance excludes both flood and earthquake damage. If you’re in Utah, Arizona, or Nevada, one event could cost you everything you’ve built — unless you’re covered.
90%
of U.S. natural disasters involve flooding
25%
of flood claims come from outside high-risk zones
$0
covered by a standard HO-3 policy for flood or earthquake
ONE EVENT SHOULDN’T COST YOU EVERYTHING
That’s why smart homeowners add flood and earthquake protection — coverage a standard policy simply doesn’t include.
THE 3 PROTECTIONS YOU NEED
Most homeowners policies leave these out entirely. Don’t find out the hard way.
🌊
First Line of Defense
Flood Insurance
Covers direct physical loss from flood — building, contents, and optional add-ons like basement contents and loss of rental income.
🏚
Protect Against the Unexpected
Earthquake Insurance
Coverage for earthquake damage to your home and belongings, with flexible deductible options to fit your budget.
🛠
Tailored to Your Property
Custom Endorsements
Pool repair & refill, temporary living expenses, replacement cost coverage, and more — built around your specific risks.
WHY WORK WITH A LOCAL AGENT?
Because your home isn’t cookie-cutter — and your insurance shouldn’t be either.
🔍
Personalized Review
I analyze your flood zone, seismic risk, and property details to find the right coverage — not a one-size-fits-all policy from a website.
💰
Competitive Pricing
I shop multiple carriers to get you the best protection at the best price. You focus on your home — I’ll handle the rest.
🤝
Claims Advocate
When you need to file a claim, I’m in your corner — fighting for a fast, fair resolution on your behalf.
FREE EARTHQUAKE & FLOOD QUOTE
No pressure. No obligation. Just a quick conversation to make sure your home is actually protected.
Jerel Johnson Insurance Agency, Inc. 