Brett Lantz - PCF Insurance Services
30495 Canwood St, Suite 211, Agoura Hills, CA 91301
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30495 Canwood St, Suite 211, Agoura Hills, CA 91301
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30423 Canwood St, # 239, Agoura Hills, CA 91301
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5126 Clareton Drive, Suite 208, Agoura Hills, CA 91301
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28720 Roadside Drive, Ste 376, Agoura Hills, CA 91301
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30423 Canwood St, Ste 112, Agoura Hills, CA 91301
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29800 Agoura Rd, Ste 106, Agoura Hills, CA 91301
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30501 Agoura Rd, # 201, Agoura Hills, CA 91301
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29800 Agoura Road, Suite 203, Agoura Hills, CA 91301
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Learn about insurance coverage options specific to Agoura Hills residents.
Navigate Agoura Hills home insurance challenges after Woolsey Fire. Learn about wildfire coverage, earthquake protection, and the California FAIR Plan.
Car InsuranceAgoura Hills auto insurance guide: CA's new 30/60/15 minimums, at-fault system, 101 Freeway risks, and how to save on coverage in this upscale LA suburb.
General Insurance EducationNavigate Agoura Hills' challenging insurance market. Learn about wildfire risk, FAIR Plan options, premium rates, and discounts for Santa Monica Mountains.
Yes, standard homeowners insurance policies cover wildfire damage to your home and belongings. However, the challenge in Agoura Hills isn't whether wildfires are covered, but whether you can obtain a policy at all. Many major insurers have restricted new policies in high-risk wildfire areas, which may require you to use the California FAIR Plan as your primary fire coverage option.
The California FAIR Plan is an insurance program of last resort for homeowners who can't obtain fire coverage through traditional insurers. It provides basic fire insurance but doesn't include liability, theft, or other standard homeowners coverages—you'll need a separate differences in conditions policy for those. You might need the FAIR Plan if you've been denied coverage or non-renewed by traditional carriers due to wildfire risk.
No, earthquake insurance is not legally required in California, even if you have a mortgage. However, it's highly recommended since Los Angeles County has a 60% chance of experiencing a magnitude 6.7 or greater earthquake in the next 30 years. Standard homeowners policies exclude earthquake damage entirely, so without separate earthquake coverage, you'd pay all repair costs out of pocket after a major quake.
Home insurance costs in Agoura Hills are typically higher than the California state average due to elevated wildfire and earthquake risks. While the median annual premium for California mortgage-payers was $1,700 in 2024, California FAIR Plan policies average about $3,200 per year. Your actual cost depends on your home's value, location within Agoura Hills, construction materials, and the coverage limits you choose.
Yes, new California regulations implemented in late 2024 require insurers to offer discounts for specified wildfire mitigation actions. Creating defensible space around your home, using fire-resistant roofing and building materials, and installing ember-resistant vents can qualify you for these discounts. Document all mitigation efforts and provide evidence to your insurer to ensure you receive applicable reductions in your premium.
The Woolsey Fire significantly impacted insurance availability throughout Agoura Hills and surrounding areas. After the fire destroyed 1,643 structures and forced complete evacuation of the city, many insurers became more restrictive about writing new policies in the area. However, California law provides protection through mandatory one-year moratoriums on cancellations and non-renewals in ZIP codes within or adjacent to fire perimeters after declared emergencies, including the 91301 ZIP code after recent fires.
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