California Long Term Care Insurance Services, Inc.
1601 Bayshore Hwy, Ste 205, Burlingame, CA 94010
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1601 Bayshore Hwy, Ste 205, Burlingame, CA 94010
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411 Airport Blvd, Burlingame, CA 94010
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1325 Howard Ave, Suite 807, Burlingame, CA 94010
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851 Burlway Rd, Suite 206, Burlingame, CA 94010
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1350 Old Bayshore Highway, Suite 630, Burlingame, CA 94010
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433 Airport Blvd, Ste 123, Burlingame, CA 94010
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Learn about insurance coverage options specific to Burlingame residents.
Complete guide to auto, home, and renters insurance in Burlingame, CA. New 2025 requirements, earthquake coverage, local agents, and costs for Peninsula residents.
Home InsuranceBurlingame home insurance guide covering earthquake risk, fire zones, historic home coverage, and high property values. Compare costs and find coverage.
As of January 1, 2025, California requires minimum auto insurance coverage of 30/60/15: $30,000 per person for bodily injury, $60,000 per accident, and $15,000 for property damage. This is the first increase in over 50 years. The new requirements apply when your policy renews in 2025 or later, not retroactively to existing policies.
While not legally required, earthquake insurance is highly recommended in Burlingame due to San Mateo County's high seismic risk. Standard homeowners policies don't cover earthquake damage. Earthquake insurance through the California Earthquake Authority averages $1,770 annually for $500,000 in coverage, though deductibles are typically 10-20% of your dwelling coverage.
Renters insurance in Burlingame typically costs between $15 and $30 per month for solid coverage. This protects your personal belongings and provides liability coverage if someone is injured in your rental unit or if you accidentally cause damage to neighboring units. It also covers temporary housing if your apartment becomes uninhabitable.
Even if you're not in a designated flood zone, flood insurance is worth considering. San Mateo County participates in the National Flood Insurance Program and has earned a Class 9 rating, giving residents a 5% discount on flood policies. Standard homeowners and renters policies don't cover flood damage, and heavy rains can cause unexpected water damage.
Always insure for replacement cost, not market value. With Burlingame's median home price at $2.6 million, much of that reflects land value and location. Replacement cost covers what it would actually cost to rebuild your home if destroyed, which may be significantly different from market value. Your agent can help calculate accurate replacement cost coverage.
Get quotes from multiple carriers, as rates vary significantly. Bundle your auto policy with home or renters insurance for 15-25% discounts. Ask about discounts for safe driving records, parking in a garage, low annual mileage, or vehicle safety features. Review your coverage annually and consider raising deductibles if you have emergency savings to cover them.
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