California Services And Compass Services
2683 Via de la Valle Suite G-410, Del Mar, CA 92014
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Del Mar 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.
2683 Via de la Valle Suite G-410, Del Mar, CA 92014
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14131 Boquita Dr, Del Mar, CA 92014
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1225 Camino Del Mar, Del Mar, CA 92014
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1049 Camino Del Mar, Ste 9, Del Mar, CA 92014
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1307 Stratford Court, Del Mar, CA 92014
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Learn about insurance coverage options specific to Del Mar residents.
Del Mar insurance guide covering California's new 30/60/15 auto requirements, coastal homeowners coverage, earthquake & flood insurance. Get local rates.
Home InsuranceDel Mar home insurance guide covering earthquake risk, coastal erosion, FAIR Plan options, and high-value property coverage. Get rates and expert tips.
California requires 30/60/15 coverage as of 2025: $30,000 for one person's bodily injury, $60,000 for multiple injuries, and $15,000 for property damage. These minimums took effect January 1, 2025, and apply when your policy renews. However, most Del Mar residents should carry significantly higher limits given the area's expensive vehicles and affluent demographics.
Homeowners insurance in San Diego County averages $1,460-$1,726 annually for $300,000 in dwelling coverage, with State Farm often offering the lowest rates around $1,256 per year. Del Mar's coastal location without significant wildfire risk keeps rates below California's state average, though your actual premium depends on your home's value, age, and proximity to the ocean.
Yes, earthquake insurance is highly recommended for Del Mar. Standard homeowners policies don't cover earthquake damage, and California sits on active fault lines. Earthquake coverage through the California Earthquake Authority typically costs $600-$800 annually in San Diego County, with deductibles of 10-20% of your home's value. Given Del Mar's property values, the cost is worth the protection.
No, standard homeowners insurance doesn't cover flood damage from storm surge, heavy rains, or coastal flooding. You need separate flood insurance through the National Flood Insurance Program (NFIP) or private carriers. Even if you're not in a designated flood zone, coastal properties should carry flood coverage given Del Mar's proximity to the ocean.
Umbrella insurance provides $1-5 million in additional liability coverage beyond your auto and home policies, typically costing $200-300 annually per million. For Del Mar residents with significant assets and high property values, umbrella insurance is essential protection against lawsuits that could exceed your standard policy limits and put your personal assets at risk.
Yes, insurance is still readily available in Del Mar. While major carriers like State Farm and Allstate have pulled back from high-wildfire-risk areas elsewhere in California, Del Mar's coastal location without significant wildfire exposure keeps it more insurable. However, the market is tighter than before, making it important to work with a knowledgeable local agent who knows which carriers are actively writing policies in the area.
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