Connect One Insurance
5079 Lone Tree Way, Antioch, CA 94531
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5079 Lone Tree Way, Antioch, CA 94531
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5179 Lone Tree Way, Antioch, CA 94531
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2520 Verne Roberts Cir #I-102, Antioch, CA 94509
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Learn about insurance coverage options specific to Antioch residents.
Antioch home insurance for earthquake, wildfire, and delta flood risks. Get coverage strategies, cost breakdowns, and protection tips for Bay Area homeowners.
Car InsuranceAntioch drivers pay $197/month average for auto insurance. Learn about California's new 30/60/15 minimums, Highway 4 risks, and how to save on coverage.
General Insurance EducationComplete insurance guide for Antioch, California covering flood risk, 2025 auto minimums, earthquake coverage, and Bay Area-specific requirements.
No, standard homeowners insurance policies in California explicitly exclude earthquake damage. You need separate earthquake insurance from the California Earthquake Authority (CEA) or a private insurer, which costs $800-$1,874 annually for most homes with deductibles typically ranging from 10-25% of your home's insured value.
It depends on your location. If you're in a Special Flood Hazard Area (SFHA) and have a federally-backed mortgage, flood insurance is required and costs around $1,700 annually. Even outside designated flood zones, consider purchasing coverage since Antioch sits on the San Joaquin River delta with land up to 25 feet below sea level protected by aging levees that don't meet state safety standards.
Antioch faces elevated wildfire risk with 83% of buildings in very high fire hazard severity zones, earthquake exposure in Contra Costa County's seismic zone, and flood risk from the San Joaquin River delta. While standard policies cover fire, the combination of risks and California's overall insurance market challenges have driven up costs across the board.
For comprehensive coverage on a median-priced $610,000 Antioch home, expect to pay $4,000-$6,074 annually combining standard homeowners insurance ($1,500-$2,500), earthquake coverage ($800-$1,874), and flood insurance if required ($1,700). This doesn't include the high deductibles—particularly the 10-25% earthquake deductible which could be $61,000-$152,500 out-of-pocket.
In 2025, California updated its fire hazard maps for the first time since 2011, officially designating parts of Antioch as very high fire hazard severity zones. The Somersville Fire in June 2025 burned 358 acres and triggered evacuation warnings, demonstrating the real-world wildfire risk facing the area as climate change extends and intensifies fire seasons.
Yes, several strategies can help lower premiums. Create defensible space around your home, use fire-resistant roofing and siding materials, install ember-resistant vents, and consider seismic retrofitting. Many insurers offer discounts for these risk-reducing improvements. Shopping multiple carriers annually and adjusting deductibles can also reduce costs, though higher deductibles mean more out-of-pocket expense in a claim.
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