EVP Inc.
14848 Central Ave, Ste 59, Chino, CA 91710
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14848 Central Ave, Ste 59, Chino, CA 91710
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3811 Schaefer Ave, Ste. F, Chino, CA 91710
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3811 Schaefer Ave, Ste F, Chino, CA 91710
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5812 Riverside Dr, Chino, CA 91710
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4091 Riverside Dr, Ste 218, Chino, CA 91710
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12987 Central Ave, Chino, CA 91710
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Learn about insurance coverage options specific to Chino residents.
Complete insurance guide for Chino, California. Learn about 2025 auto requirements, home insurance costs, and local agents in San Bernardino County.
Home InsuranceComplete guide to home insurance in Chino, California. Learn about wildfire risk, earthquake coverage, rates, and discounts for Inland Empire homeowners.
Car InsuranceChino auto insurance guide: California's new 30/60/15 minimums, at-fault system explained, CA-60/CA-71 traffic risks, and how to get affordable coverage.
California now requires $30,000 per person for bodily injury, $60,000 per accident for bodily injury to multiple people, and $15,000 for property damage (written as 30/60/15). These minimums doubled as of January 1, 2025, and will increase again in 2035 to 50/100/25. Most experts recommend carrying higher limits than the minimum since medical costs and vehicle values often exceed these amounts.
Homeowners in Chino and San Bernardino County pay an average of $1,893 per year for $300,000 in dwelling coverage, which is about $250 higher than California's state average. Your actual cost depends on your home's age, value, construction type, and specific location. Rates vary by ZIP code within Chino, and you can potentially lower costs by increasing your deductible or qualifying for discounts.
Independent agents can shop multiple insurance companies for you, which is valuable in California's current tight market where availability varies by carrier. Captive agents (State Farm, Allstate, Farmers, etc.) can only offer their company's products but may have deep expertise with that specific insurer. The best choice depends on your needs—getting quotes from both types helps you compare options and find the best fit.
Earthquake coverage is not included in standard California homeowners policies—you must purchase it separately. While you should evaluate your personal risk tolerance and budget, being in Southern California means earthquake risk is real. Talk with your insurance agent about earthquake insurance costs and coverage options to make an informed decision based on your home's value and your financial situation.
Minimum required insurance (30/60/15) only covers damage you cause to others and won't protect your own vehicle or medical bills. Recommended coverage typically includes higher liability limits (at least 100/300/100), collision and comprehensive coverage for your vehicle, uninsured motorist protection, and potentially medical payments coverage. The minimum is what's legally required, but recommended coverage protects your financial security more thoroughly.
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