Causewell Insurance
2545 Chino Hills Parkway, Unit D, Chino Hills, CA 91709
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2545 Chino Hills Parkway, Unit D, Chino Hills, CA 91709
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3141 English Rd, Unit 101, Chino Hills, CA 91709
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13890 Peyton Dr, Ste A, Chino Hills, CA 91709
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13890 Peyton Dr, #A, Chino Hills, CA 91709
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5839 Pine Ave, Chino Hills, CA 91709
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15970 Los Serranos Country Club Drive, PMB 316, Chino Hills, CA 91709
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13089 Peyton Dr, Ste C132, Chino Hills, CA 91709
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13925 City Center Dr, Suite 200, Chino Hills, CA 91709
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13890 Peyton Dr, #A, Chino Hills, CA 91709
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Learn about insurance coverage options specific to Chino Hills residents.
Chino Hills home insurance guide covering wildfire and earthquake risk, FAIR Plan options, and costs. Get coverage tips for San Bernardino County homes.
Car InsuranceChino Hills auto insurance costs average $160/month. Learn about California's new 30/60/15 minimums, Route 71 risks, and how to save on coverage.
General Insurance EducationComplete insurance guide for Chino Hills residents covering new 2025 auto requirements, wildfire risk, earthquake coverage, and Inland Empire options.
No, standard homeowners insurance does not cover earthquake damage. You need to purchase a separate earthquake policy, typically through the California Earthquake Authority (CEA) or your insurance carrier. California insurers are required to offer earthquake coverage every two years, but you're not obligated to buy it.
The California FAIR Plan is a state-mandated insurance program that provides basic fire coverage when traditional insurers won't offer a policy. It's typically used as a last resort and covers fire and little else, so most homeowners pair it with a difference-in-conditions policy for comprehensive protection. If you've been nonrenewed or denied coverage, the FAIR Plan ensures you can still get fire insurance.
Basic homeowners insurance in Chino Hills typically ranges from $548 to $743 per year for lower coverage limits. However, if your home is worth more—median home values in the area are around $925,000—or if you're in a higher wildfire risk zone, expect to pay $1,400 to $2,000 or more annually. Rates vary significantly based on coverage levels, home characteristics, and wildfire mitigation measures.
Installing a Class A fire-rated roof, creating defensible space around your home, using fire-resistant materials for decking and fencing, and installing ember-resistant vents can all help lower your premium. Some Chino Hills homeowners have seen FAIR Plan premiums drop 5-10% in 2025 through a pilot program that rewards wildfire mitigation using advanced analytics.
Rates are rising due to Chino Hills' location in a very high fire hazard severity zone, increased wildfire frequency across California, inflation, and insurers pulling back from the state market. Additionally, California's new regulations allow insurers to use forward-looking wildfire models and factor in reinsurance costs, which may lead to higher premiums in wildfire-prone areas.
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