Cataño Insurance Brokers
1055 W. San Bernardino Rd., Covina, CA 91722
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Covina 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.
1055 W. San Bernardino Rd., Covina, CA 91722
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930 N Grand Ave, Ste B, Covina, CA 91724
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917 S. Village Oaks Dr., Covina, CA 91724
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654 Shoppers Ln, Covina, CA 91723
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1345 Center Court Dr, Covina, CA 91724
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584 S Grand Ave, Covina, CA 91724
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750 Terrado Plz, Ste 102, Covina, CA 91723
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1345 Center Ct Dr, Covina, CA 91724
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Learn about insurance coverage options specific to Covina residents.
Covina home insurance costs averaging $2,930/year in 2025. Learn about earthquake coverage, foothill fire risk, and how to protect your San Gabriel Valley home.
Car InsuranceLearn about Covina auto insurance costs, California's new 30/60/15 minimums effective 2025, and how the at-fault system works for San Gabriel Valley drivers.
General Insurance EducationComplete insurance resource for Covina, CA residents. Compare auto rates averaging $1,920/year, homeowners costs, earthquake coverage, and bundle discounts.
Whether you 'need' it depends on your risk tolerance and financial situation. Covina sits in earthquake country, and standard home insurance doesn't cover earthquake damage. If you couldn't afford to repair or rebuild your home out of pocket after a major earthquake, you should seriously consider coverage. Use the California Earthquake Authority's calculator to get a specific premium estimate for your property and make an informed decision based on actual costs rather than guesses.
California homeowners are experiencing sharp rate increases due to several converging factors: rising wildfire losses statewide, increased reinsurance costs (insurance for insurance companies), building material and labor cost inflation of 30-50% since 2020, and new regulatory changes allowing insurers to factor climate risk into pricing. While Covina itself isn't high-risk wildfire territory, you're still affected by the statewide market conditions driving these increases.
Market value is what your home would sell for—it includes the land value and fluctuates with the real estate market. Replacement cost is what it would actually cost to rebuild your house from scratch if it were destroyed, not including the land. Your insurance dwelling coverage should be based on replacement cost, which might be higher or lower than market value. With construction costs up significantly, many homes need higher coverage limits than their market value might suggest.
Yes, but you may face higher premiums or certain requirements. Older homes—especially those with original electrical, plumbing, or roofing—present higher risk to insurers. Some carriers may require inspections or updates before offering coverage. If you're having trouble finding affordable coverage through standard carriers, work with an independent agent who can access multiple companies and specialty insurers that focus on older properties.
Don't panic—you have options. Start shopping for a new policy immediately, as you'll typically receive 75 days notice before non-renewal. Work with an independent insurance agent who can check multiple carriers. If you can't find standard market coverage, the California FAIR Plan provides basic fire insurance as a safety net. You can also supplement FAIR Plan coverage with a separate policy for other perils like theft and liability.
Several strategies can help: bundle your home and auto insurance with the same carrier, increase your deductible if you can afford higher out-of-pocket costs, improve your credit score, install security and fire detection systems, upgrade your roof or electrical system, and ask about all available discounts. California's Safer from Wildfires program also offers discounts for specific mitigation actions. Compare quotes from multiple insurers annually, as rates vary significantly between companies.
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