Caffrey Insurance Solutions, Inc.
2413 Webb Ave, Suite C, Alameda, CA 94501
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2413 Webb Ave, Suite C, Alameda, CA 94501
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1320 Harbor Bay Pkwy, Ste 210, Alameda, CA 94502
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Not publicly listed (headquarters not shown with a Garnet, CA street address), Alameda, CA 94501
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2201 Shoreline Dr, #6377, Alameda, CA 94501
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Learn about insurance coverage options specific to Alameda residents.
As of January 2025, California requires all drivers to carry minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. These limits doubled from the previous minimums and will remain in effect until 2035.
Yes, flood insurance is highly recommended for Alameda residents. As an island city surrounded by San Francisco Bay, Alameda faces both tidal and rainfall flooding risks. Standard homeowners insurance doesn't cover flood damage, and FEMA updated flood maps for Alameda County in 2025. Even if you're not in a designated high-risk zone, flooding can occur anywhere on the island.
Home insurance costs in Alameda are rising significantly in 2025, with some insurers increasing rates by 16-40% depending on the carrier and property type. Victorian homes may face higher premiums due to increased reconstruction costs for specialized materials and historical features. The statewide insurance crisis driven by wildfire risk and reinsurance costs is affecting all California homeowners, including those in lower-risk areas like Alameda.
Victorian homes in Alameda require specialized insurance considerations due to their ornate woodwork, historical materials, and higher reconstruction costs. You need replacement cost coverage rather than actual cash value, and your policy should specifically address the unique architectural features. With Alameda having over 4,000 Victorian homes, working with an agent experienced in historic property insurance is essential.
Actually, Alameda drivers typically pay less than the national average, with monthly premiums averaging around $129 compared to the national average of $170. However, Alameda's dense traffic, higher accident rates, and Bay Area cost of living can still make coverage more expensive than in less urban areas. Geico, State Farm, and Progressive generally offer the most competitive rates in Alameda.
FEMA delivered preliminary flood maps for Alameda County in 2025, with a 90-day appeal period running from March 29, 2025, to June 28, 2025. After this period, the new Flood Insurance Rate Maps (FIRMs) will become effective, potentially changing flood zone designations and insurance requirements for properties throughout Alameda.
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