All Ways Insurance Services - Trucking Insurance
350 North Lantana St, Ste 204, Camarillo, CA 93010
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350 North Lantana St, Ste 204, Camarillo, CA 93010
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79 E Daily Dr, Suite 197, Camarillo, CA 93010
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79 E Daily Dr PMB 197, Camarillo, CA 93010
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601 E Daily Dr, Suite 232, Camarillo, CA 93010
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Learn about insurance coverage options specific to Camarillo residents.
Complete insurance guide for Camarillo covering CA's new 30/60/15 auto minimums, wildfire home coverage challenges, earthquake protection & local agents.
Home InsuranceNavigate Camarillo's challenging home insurance market. Wildfire risk, earthquake coverage, and master-planned community rates explained. Get covered in 2025.
Car InsuranceCamarillo drivers pay $136/month vs. $176 statewide average. Learn about California's new 30/60/15 requirements and how US-101 traffic affects your rates.
As of January 2025, California requires 30/60/15 coverage—$30,000 per person for bodily injury, $60,000 total per accident for bodily injury, and $15,000 for property damage. These limits automatically apply when your existing policy renews. This is double the previous minimums, which hadn't changed in over 50 years.
Yes, standard homeowners insurance in California covers wildfire damage. However, getting coverage in Ventura County has become more difficult and expensive due to wildfire risk. Many major insurers have pulled back from writing new policies in high-risk areas, and premiums have increased significantly in recent years.
Earthquake insurance is optional but worth considering since California sits on active faults. Standard homeowners policies don't cover earthquake damage. Policies typically cost several hundred to over a thousand dollars annually with deductibles of 10-20% of your home's value. Whether you need it depends on your financial ability to repair or rebuild after a major earthquake.
The California FAIR Plan is the state's insurer of last resort for homeowners who can't get coverage in the traditional market. It provides basic property insurance, though it's typically more expensive and less comprehensive than standard policies. It's designed to ensure California homeowners in high-risk areas can maintain the insurance their mortgage lenders require.
Ventura County homeowners typically pay more than California's average of $1,400-$2,000 per year due to elevated wildfire risk. Properties in hillside or wildland interface areas often face even higher premiums. Many homeowners have seen rates increase 30-50% in recent years as insurers adjust pricing to reflect wildfire exposure.
Yes, most insurance professionals recommend higher limits than the state minimums. Medical bills from a serious accident easily exceed $30,000 per person. Consider 100/300/100 coverage or higher, especially if you have assets like a home or savings. Also add uninsured motorist coverage since many California drivers lack adequate insurance.
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