CALL Patty Insurance Services
1211 W Imperial Hwy, Suite 105, Brea, CA 92821
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Brea households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1211 W Imperial Hwy, Suite 105, Brea, CA 92821
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1010 E Imperial Hwy, Brea, CA 92821
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2729 Saturn Street, Suite B, Brea, CA 92821
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135 S. State College Blvd, #200, Brea, CA 92821
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330 E Lambert Rd, Ste 278, Brea, CA 92821
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3230 E Imperial Hwy, Suite 300, Brea, CA 92821
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770 S Brea Blvd, #107, Brea, CA 92821
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770 S. Brea Blvd, Ste. 107, Brea, CA 92821
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675 Placentia Avenue, Suite 250, Brea, CA 92821
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Learn about insurance coverage options specific to Brea residents.
Brea homeowners face earthquake risk and Carbon Canyon wildfire exposure. Learn about coverage requirements, costs, and California FAIR Plan options.
Car InsuranceBrea drivers need to know about California's new 30/60/15 minimums, at-fault rules, and 57 freeway risks. Compare local rates and find the right coverage.
General Insurance EducationComplete insurance guide for Brea residents covering new 2025 auto requirements, earthquake risks, property crime considerations, and North Orange County rates.
Yes, earthquake coverage is highly recommended for Brea homeowners. California has a greater than 99% chance of experiencing a magnitude 6.7 or larger earthquake within the next 30 years, and Brea sits in an active seismic zone. Standard homeowners policies explicitly exclude earthquake damage, so without a separate policy, you'd pay out of pocket to repair or rebuild your home after a major quake. Given that Brea home values typically range from $950,000 to over $1.2 million, the financial risk of going without earthquake coverage is substantial.
As of 2025, California Earthquake Authority policies typically cost between $1,248 and $2,744 per year for $500,000 in coverage, though your specific rate depends on factors like your home's age, construction type, foundation, and proximity to fault lines. The CEA implemented a 6.8% rate increase in January 2025, adding an average of about $70 per year to most premiums. This is in addition to your regular homeowners insurance premium, but it's essential protection given Brea's earthquake risk.
If you've been denied coverage by two or more standard insurers due to wildfire risk, you can apply for the California FAIR Plan, which provides basic fire insurance for your structure and contents. The FAIR Plan is more expensive and offers limited coverage compared to standard policies—it doesn't include liability protection or coverage for perils like theft. To improve your chances of getting standard coverage, take wildfire mitigation steps like upgrading to fire-resistant roofing, clearing vegetation within 100 feet of your home, and installing ember-resistant vents. California law requires insurers to offer discounts for these improvements.
No, standard homeowners insurance policies do not cover flood damage. While Brea Dam and Carbon Canyon Dam significantly reduce flood risk for the area, properties near Brea Creek Channel can still flood during severe storms. You'll need a separate flood insurance policy through FEMA's National Flood Insurance Program or a private flood insurer. Check your property's flood zone designation using FEMA's flood maps to determine your risk level and whether flood coverage makes sense for your situation.
Orange County experienced major rate increases in 2024, with insurers like State Farm and Farmers raising rates by 15-20% and Travelers averaging 15.3% increases. These hikes reflect rising construction costs, increased wildfire and natural disaster risks, and inflation affecting rebuilding expenses. Insurers have also been leaving California or restricting new policies in high-risk areas, reducing competition. The market continues to tighten in 2025, making it critical to shop around for coverage and ask about discounts for bundling policies or making risk-reduction improvements to your home.
You should insure your home for its replacement cost—what it would actually cost to rebuild from scratch using today's labor and material prices—not its market value. With median home values in Brea ranging from $950,000 to over $1.2 million, and construction costs rising due to inflation, your replacement cost may be higher than your purchase price. Work with your insurance agent to calculate an accurate replacement cost estimate. Many homeowners underinsure and then face significant out-of-pocket expenses after a major loss, so it's worth getting this number right.
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