E&P Insurance Brokerage
6167 Bristol Parkway, Suite 106, Culver City, CA 90230
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6167 Bristol Parkway, Suite 106, Culver City, CA 90230
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10736 Jefferson, Suite 1042, Culver City, CA 90230
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10736 Jefferson Blvd, Suite 1042, Culver City, CA 90230
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10000 Washington Blvd, Fl 6, Culver City, CA 90232
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4244 Overland Ave, Culver City, CA 90230
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3309 La Cienega Pl, #201, Culver City, CA 90232
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Learn about insurance coverage options specific to Culver City residents.
Complete 2025 insurance guide for Culver City, CA. Learn about new CA minimums, average rates, earthquake coverage, and local agents. Get protected today.
Home InsuranceCulver City home insurance guide: earthquake coverage, fire risk, historic home protection, and rates for properties averaging $1.27M. Get the coverage you need.
Car InsuranceCompare Culver City auto insurance rates for 2025. Learn about CA's new 30/60/15 minimums, at-fault coverage, and how I-405 traffic impacts your premiums.
As of January 1, 2025, California requires minimum liability coverage of 30/60/15: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage per accident. These limits doubled from the previous 15/30/5 minimums that had been in place since 1967. The new requirements take effect when your policy renews, not necessarily on January 1st.
Culver City drivers pay an average of $174 per month for car insurance, slightly above the national average of $170. However, rates vary dramatically based on your profile—good drivers can find coverage for as low as $38 per month with AAA, while young adults typically pay around $49 monthly. Your driving record, age, vehicle type, and coverage levels all significantly impact your premium.
No, standard homeowners insurance policies in California do not cover earthquake damage. You need a separate earthquake policy, typically purchased through the California Earthquake Authority (CEA). In the Los Angeles area, these policies cost $900 to $1,500 annually with deductibles ranging from 10% to 20% of your home's value. Given California's position on active fault lines, this coverage is highly recommended for Culver City homeowners.
While Culver City isn't in a high-risk flood zone like coastal areas, flood insurance is worth considering because flooding can occur anywhere and standard homeowners policies don't cover it. The National Flood Insurance Program offers coverage at relatively affordable rates for moderate-risk areas. With California's increasingly unpredictable weather patterns and occasional heavy rainfall, having flood coverage provides valuable protection for your property investment.
Working with one of Culver City's six local insurance agencies offers significant advantages, especially given California's rapidly changing insurance market. Local agents understand specific neighborhood risks, can navigate the state's new regulations implemented in 2025, shop multiple carriers to find the best rates, and can bundle policies to save you 15% to 25%. They also provide personalized service during claims and can adjust coverage as your needs change.
California home insurance rates have risen due to devastating wildfires, increased construction costs, and climate-related risks. The state implemented new regulations in 2025 allowing insurers to use forward-looking catastrophe models, which has led some companies to stop writing new policies in high-risk areas. However, Culver City hasn't been as severely affected as wildfire-prone regions. The median annual premium for California mortgage-payers reached $1,700 in 2024, up 28% from 2014 after adjusting for inflation.
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