HCP National Insurance Services, Inc.
16-A Journey, Ste 150, Aliso Viejo, CA 92656
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16-A Journey, Ste 150, Aliso Viejo, CA 92656
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30 Enterprise, Suite 180, Aliso Viejo, CA 92656
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120 Vantis, Suite 300, Aliso Viejo, CA 92656
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120 Vantis Dr, Ste 300, Aliso Viejo, CA 92656
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120 Vantis Dr, #300, Aliso Viejo, CA 92656
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Learn about insurance coverage options specific to Aliso Viejo residents.
Get affordable home insurance in Aliso Viejo. Learn about earthquake risk, California's insurance crisis, and coverage options for master-planned OC homes.
Car InsuranceAliso Viejo auto insurance guide: 2025 coverage requirements, average rates ($258/mo), I-5 risks, and how CA's at-fault system affects your policy.
Given that there's a 92% chance of a major earthquake within 50km in the next 50 years and standard homeowners policies don't cover earthquake damage, earthquake insurance is worth serious consideration. The cost ranges from $800-3,000 annually depending on your home's construction and your chosen deductible. If you have a mortgage, your lender may require it.
While California averages around $1,543 annually for home insurance, your actual cost in Aliso Viejo depends on your home's age, size, construction type, and coverage limits. Newer homes in master-planned communities may qualify for better rates, but higher property values mean higher replacement costs. Most Aliso Viejo homeowners should expect to pay $1,500-2,500 annually, though rates have been increasing 20-30% due to the statewide insurance crisis.
The FAIR Plan is California's insurer of last resort for homeowners who can't find coverage in the private market. It provides basic dwelling and personal property coverage but excludes liability protection and additional living expenses, which you'll need to purchase separately. While more expensive and limited than traditional policies, it ensures you can meet lender requirements and have some protection if private insurers won't cover you.
Aliso Viejo has some areas designated as high or very high fire hazard zones, but the risk is moderate compared to inland and Northern California. The master-planned community design, maintained landscaping, modern building codes with fire-resistant materials, and good emergency access all reduce wildfire risk. However, California's insurance crisis affects all homeowners regardless of individual risk level.
No. While most Aliso Viejo homes are in HOAs with master insurance policies, those policies typically cover only common areas and the exterior structure. You need your own HO-6 (condo) or HO-3 (single-family home) policy to cover your interior, personal belongings, liability, and additional living expenses. Review your HOA's master policy documents to understand exactly where their coverage ends and yours needs to begin.
Start by bundling your home and auto insurance with the same carrier for a multi-policy discount. Installing a monitored security system, upgrading to a newer roof, and adding fire-resistant landscaping can all reduce premiums. Increasing your deductible lowers your premium but means you'll pay more out of pocket for claims. Working with an independent agent who can shop multiple carriers often yields better rates than going direct to one company.
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