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4240 Lost Hills Road, Calabasas, CA 91302
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4240 Lost Hills Road, Calabasas, CA 91302
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26500 Agoura Road, Suite 202, Calabasas, CA 91302
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26565 Agoura Rd, Ste 200, Calabasas, CA 91302
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Learn about insurance coverage options specific to Calabasas residents.
Navigate Calabasas home insurance challenges including wildfire risk, earthquake coverage, and FAIR Plan options. Expert guide for protecting high-value LA homes.
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Insurance companies are pulling back from Calabasas primarily due to wildfire risk in the Santa Monica Mountains. The 2018 Woolsey Fire burned nearly 97,000 acres and destroyed over 1,600 structures, demonstrating the catastrophic potential in this area. With fire return intervals now just 28 years instead of the natural 70-100 years, insurers see ongoing elevated risk. Major carriers like State Farm non-renewed thousands of policies in Calabasas and surrounding areas, forcing many homeowners to turn to the California FAIR Plan.
Home insurance in Calabasas varies dramatically based on your property's value, wildfire risk, and hardening measures, but expect to pay significantly more than California's 2025 average of $1,674 annually. For high-value homes in wildfire zones, premiums typically range from $5,000 to $15,000 or more per year. If you're on the California FAIR Plan, you'll need both fire coverage and a separate difference-in-conditions policy, which together often cost 30-50% more than traditional coverage would have cost before the market disruption.
While earthquake insurance isn't legally required, it's strongly recommended for Calabasas homeowners given Los Angeles County's seismic activity and your property's value. Standard homeowners policies exclude earthquake damage entirely, and a major quake could cause hundreds of thousands in structural damage. California Earthquake Authority policies typically cost $800-$3,000 annually for Calabasas homes with deductibles of 10-25%, but they protect you from catastrophic loss that could otherwise be financially devastating.
The California FAIR Plan is the state's insurer of last resort, providing basic fire coverage when traditional insurance companies won't cover your property. As of 2025, residential coverage limits increased to $3 million, and you can qualify for premium discounts by hardening your property with improvements like ember-resistant vents and defensible space. However, the FAIR Plan only covers fire, so you'll need to purchase a separate difference-in-conditions (DIC) policy to cover theft, liability, water damage, and other standard perils.
The most effective improvements include installing Class A fire-rated roofing, replacing standard vents with ember-resistant models, and creating defensible space by clearing brush within 100 feet of your home. Keep tree branches at least 10 feet from your roof and use fire-resistant landscaping within 5 feet of your structure. Document all improvements with photos and receipts, as insurers increasingly use satellite imagery and drone assessments to evaluate wildfire risk. Properties with visible hardening measures are more likely to get coverage and qualify for premium discounts.
Yes, there are promising signs. California's Sustainable Insurance Strategy reforms, completed in early 2025, allow insurers to use forward-looking catastrophe models that account for wildfire mitigation efforts. Mercury Insurance, Allstate, and CSAA have committed to writing policies in wildfire-distressed areas, potentially affecting 1.5 million homeowners in high-risk zones including Calabasas. While this doesn't mean premiums will be low, it does mean more coverage options should become available over the coming year.
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