ARG & Associates Insurance & Financial Services, Inc
291 S La Cienega Blvd, Suite 203, Beverly Hills, CA 90211
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291 S La Cienega Blvd, Suite 203, Beverly Hills, CA 90211
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433 N Camden Dr, Beverly Hills, CA 90210
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153 S Lasky Dr., Beverly Hills, CA 90212
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8484 Wilshire Blvd, #515, Beverly Hills, CA 90211
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8683 Wilshire Blvd, Suite A, Beverly Hills, CA 90211
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465 S Beverly Dr, Ste 200, Beverly Hills, CA 90212
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292 S La Cienega Blvd, #206, Beverly Hills, CA 90211
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8549 Wilshire Blvd, #2418, Beverly Hills, CA 90211
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170 S Beverly Dr, # 301, Beverly Hills, CA 90212
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9663 Santa Monica Blvd, Unit 785, Beverly Hills, CA 90210
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Learn about insurance coverage options specific to Beverly Hills residents.
Beverly Hills home insurance averages $10,000-$200,000/year for high-value properties. Learn about earthquake, wildfire coverage, and insurer withdrawals.
Car InsuranceBeverly Hills has CA's highest auto insurance at $269/month. Learn why minimums aren't enough, how agreed value policies protect luxury cars, and how to save.
General Insurance EducationComplete Beverly Hills insurance guide: Why 15/30/5 fails, CEA earthquake limits, FAIR Plan gaps, and umbrella essentials for $5M+ homes in 90210.
Car InsuranceBeverly Hills has California's highest car insurance at $269/month. Learn about agreed value policies, collector coverage, and umbrella insurance for luxury vehicles.
Beverly Hills home insurance costs vary dramatically based on property value and location. Homeowners in the 90210 ZIP code pay an average of $10,000 annually for homes valued around $5.5 million. However, high-value hillside properties in wildfire-hazard zones can face premiums of $22,000 to over $200,000 per year, especially after major insurers like State Farm withdrew from the market in 2024. Standard properties may find policies ranging from $3,000 to $15,000 annually depending on coverage levels and risk factors.
No, earthquake insurance is not legally required in California. However, your homeowners insurance company must offer you earthquake coverage in writing every two years. Standard homeowners policies do not cover earthquake damage except for fire caused by earthquakes, making separate earthquake insurance essential for Beverly Hills homeowners. Policies typically cost $1,248 to $2,744 annually for $500,000 in coverage, but high-value homes need much higher limits with deductibles ranging from 5% to 25% of the coverage amount.
Major insurers are canceling policies in Beverly Hills primarily due to wildfire risk in hillside areas north of Sunset Boulevard, which fall within California's Very High Fire Hazard Severity Zone. In 2024, State Farm dropped 46% of its policies in the 90210 ZIP code as part of a statewide withdrawal from high-risk areas. The combination of expensive homes, catastrophic wildfire exposure, and regulatory limits on premium increases has made these properties unprofitable for traditional insurers to cover.
High-value home insurance is specialized coverage for properties typically worth $1 million or more, offering agreed-value protection, extended replacement cost coverage, and higher limits for personal property and liability. In Beverly Hills, where most homes exceed this threshold, high-value policies are essential because they provide coverage up to $100 million, include no depreciation on total losses, and offer endorsements for fine art, jewelry, wine collections, and domestic employees that standard policies don't adequately cover.
If traditional insurers won't cover your Beverly Hills home, contact the California FAIR Plan, the state's insurer of last resort that provides basic fire coverage. While FAIR Plan policies are more expensive and offer limited coverage, they prevent you from being completely uninsured. Work with an independent broker specializing in high-value homes to find surplus lines carriers willing to write in high-risk areas, and consider risk mitigation improvements like fire-resistant roofing and defensible space that may help you qualify for coverage. New California regulations requiring insurers to increase coverage in high-risk zones may also improve options over time.
Yes, celebrities and public figures need specialized coverage beyond standard high-value policies. This includes significantly higher personal liability limits (often $10 million or more) due to increased lawsuit exposure, workers' compensation extensions for domestic employees like housekeepers and security staff, enhanced privacy protections, and umbrella policies that protect against the unique reputational and financial risks that high-profile individuals face. Some policies even include kidnap and ransom coverage for ultra-high-net-worth homeowners.
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