Homeowners and renters across California now have more options to protect themselves from a flood. The Department of Insurance recently approved a new private flood insurance product that will be provided by American National Property and Casualty. This new program gives consumers several coverage features, including residential building property, personal property or contents, debris removal and additional living expenses or lost rents. The policy is effective for a 12-month period. Insurance Commissioner Dave Jones says providing consumers with more choices may lead more residents to consider flood coverage. He advises residents to take a home inventory report, which catalogs their belongings and would be useful in the event they need to file a claim following a disaster.