Competitive Edge Insurance
830 Orange Ave, Suite L, Coronado, CA 92118
View this agency's profile to learn more about their services.
Loading...
City directory
Coronado households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
830 Orange Ave, Suite L, Coronado, CA 92118
View this agency's profile to learn more about their services.
941 Orange Avenue, #605, Coronado, CA 92118
View this agency's profile to learn more about their services.
801 Washington St, Coronado, CA 92118
View this agency's profile to learn more about their services.
110 West A Street, Suite 675, Coronado, CA 92118
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Coronado residents.
Complete insurance guide for Coronado, California covering 2025 auto requirements, coastal home insurance, flood coverage, and local agents on the island.
Home InsuranceGet Coronado home insurance with proper flood coverage. Learn about coastal risks, FAIR Plan options, and 2026 rate increases for San Diego County properties.
Yes, flood insurance is essential for Coronado homeowners. The island is surrounded by water on three sides, sits at sea level, and faces risks from storm surge, king tides, and heavy rainfall. Standard homeowners policies exclude flood damage entirely, meaning you'd pay out-of-pocket for water damage from external sources. Even properties outside designated flood zones can flood—FEMA reports 25% of claims come from low-risk areas.
Coronado homeowners typically pay $1,300-$1,600+ annually for standard coverage, often at the higher end due to coastal location. This is the San Diego County average, but beachfront properties and homes closer to the water may pay significantly more. Add flood insurance at approximately $1,332 annually for coastal properties, and earthquake coverage at $600-$800, and you're looking at $3,200-$4,300 total for comprehensive protection.
As of January 1, 2025, California requires minimum liability coverage of 30/60/15: $30,000 per person for bodily injury, $60,000 per accident for all injuries, and $15,000 for property damage. This is double the previous minimums of 15/30/5. While these are minimums, most insurance professionals recommend higher limits like 100/300/100, as medical costs and vehicle repairs frequently exceed minimum coverage amounts.
Earthquake insurance is worth considering in Coronado, though the decision depends on your financial situation and home value. San Diego County has lower earthquake risk than other parts of California, and policies cost $600-$800 annually. The key question: could you afford to repair or rebuild your home after a major quake without insurance? Given Coronado's high property values, most homeowners find the coverage worthwhile for peace of mind.
Yes, four local insurance agencies serve Coronado and can provide personalized service for the island's unique risks. Local agents understand which carriers write policies for coastal properties, how flood zones affect coverage, and which companies are still actively writing new business in the current tight California insurance market. They can compare multiple carriers, bundle policies for discounts, and help with complex coverage needs.
Military families should secure renters insurance even for base housing, covering belongings, liability, and additional living expenses for $15-20 monthly. Auto insurance follows the same California state requirements (30/60/15 minimum as of 2025). USAA and Navy Federal often offer competitive rates and military-specific benefits. If you own property in Coronado, the same homeowners, flood, and earthquake coverage recommendations apply.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network