Ken May Insurance Services
3146 Tiger Run Court, Suite 114, Carlsbad, CA 92010
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3146 Tiger Run Court, Suite 114, Carlsbad, CA 92010
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2777 Jefferson St, Suite 203D, Carlsbad, CA 92008
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2538 State Street, Suite 102, Carlsbad, CA 92008
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6965 El Camino Real Ste 105-515, Carlsbad, CA 92009
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1947 Camino Vida Roble, Carlsbad, CA 92009
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3250 Grey Hawk Ct. 2nd, Floor, Carlsbad, CA 92010
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2888 Loker Ave East, Suite 110, Carlsbad, CA 92010
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2647 Gateway Rd Suite 105-153, Carlsbad, CA 92009
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2111 Palomar Airport Rd, Ste 322, Carlsbad, CA 92011
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Learn about insurance coverage options specific to Carlsbad residents.
Carlsbad home insurance averages $1,800/year. Learn about coastal vs inland rates, earthquake coverage costs, fire zones, and ways to save on your premium.
Home InsuranceCarlsbad home insurance averages $1,400-$2,500/year. Learn about wildfire, earthquake, and coastal coverage options for your San Diego County property.
General Insurance EducationComplete Carlsbad insurance guide covering California's new 30/60/15 auto minimums, coastal flood risks, earthquake coverage, and rising home insurance costs.
Car InsuranceCarlsbad drivers pay $1,692/year on average for car insurance. Learn how I-5 commutes, coastal location, and bundling discounts affect your rates in 2025.
Car InsuranceCarlsbad drivers pay ~$1,700/year for auto insurance. Learn about CA's new 30/60/15 minimums, coastal coverage needs, bundling savings, and I-5 commute risks.
Business InsuranceCarlsbad business insurance for tourism, biotech, and action sports companies. Workers comp, earthquake, liability coverage for LEGOLAND area businesses.
Coastal homes face additional risks from salt air corrosion, which accelerates wear on roofs, HVAC systems, and exterior components. Insurers also account for coastal erosion concerns and higher replacement costs for specialized coastal construction materials. These factors typically add 15-30% to premiums compared to similar inland homes.
No, standard California homeowners policies exclude earthquake damage entirely. You must purchase separate earthquake coverage through the California Earthquake Authority or a private insurer. For most Carlsbad homes, earthquake insurance costs between $200-$600 annually, though prices vary based on your home's age, construction type, and chosen deductible.
Some eastern Carlsbad neighborhoods near hills and open space are designated as moderate to high fire hazard severity zones on updated 2025 CAL FIRE maps. Homes in these zones typically face higher premiums and may have fewer insurance options available. Check your specific property address on the CAL FIRE Fire Hazard Severity Zone maps to see your designation.
Bundling your home and auto insurance typically saves 15-25%, making it the most effective single strategy. Other impactful options include increasing your deductible, upgrading your roof or home systems, installing monitored security systems, and shopping multiple insurers every 2-3 years to ensure competitive pricing.
The average Carlsbad homeowner pays approximately $1,800 annually for standard coverage, though actual costs vary based on your home's location, age, size, and construction type. Coastal properties typically pay more than inland homes, and adding earthquake coverage can increase your total annual cost by 50-100%.
Most of Carlsbad isn't in a high flood risk zone, but homes near lagoons, creeks, or low-lying coastal areas may benefit from flood coverage. Standard homeowners policies don't cover flood damage, so you'd need a separate National Flood Insurance Program (NFIP) policy or private flood insurance. Check FEMA's flood maps for your specific property to assess your risk.
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