Assurixs Insurance Services, Inc.
3333 S Brea Canyon Rd, STE 116, Diamond Bar, CA 91765
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3333 S Brea Canyon Rd, STE 116, Diamond Bar, CA 91765
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1249 S Diamond Bar Blvd, UNIT 245, Diamond Bar, CA 91765
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324 S Diamond Bar Blvd. Unit, # 748, Diamond Bar, CA 91765
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1139 S Diamond Bar Blvd, Ste A, Diamond Bar, CA 91765
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20955 Pathfinder Road, Suite 100, Diamond Bar, CA 91765
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1370 Valley Vista Dr, Suite 200, Diamond Bar, CA 91765
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1370 Valley Vista Drive, Suite 200, Diamond Bar, CA 91765
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Learn about insurance coverage options specific to Diamond Bar residents.
Diamond Bar home insurance costs $1,500-$2,100/year. Learn about earthquake coverage, hillside property challenges, and how to protect your home.
Car InsuranceDiamond Bar auto insurance averages $58/month. Learn about California's new 30/60/15 minimums, uninsured driver risks, and coverage for the 60/57 junction.
General Insurance EducationComplete insurance guide for Diamond Bar, CA residents. Learn about auto rates, homeowners coverage challenges, and life insurance for San Gabriel Valley families.
No, standard homeowners insurance policies in California do not cover earthquake damage except for fire resulting from an earthquake. You must purchase separate earthquake insurance, which typically costs $1,000-$2,500 annually. California law requires your insurer to offer earthquake coverage every two years, so don't automatically decline it without understanding the risks.
Hillside homes face elevated risks during earthquakes, including landslides and soil movement. Properties with post-and-pier foundations or homes built on stilts are particularly vulnerable. Some insurers decline to cover these properties entirely, while others charge higher premiums to account for the increased risk. The steeper your slope, the more you'll typically pay.
Most Diamond Bar homeowners pay between $1,500 and $2,100 annually for standard home insurance, though hillside properties may pay more. Add another $1,000-$2,500 for earthquake coverage if you want comprehensive protection. Your actual rate depends on your home's value, age, construction type, and location within the city.
The California Earthquake Authority (CEA) is a state-backed organization that provides earthquake insurance through participating insurers. CEA offers standardized coverage options designed specifically for California's earthquake risks. For Diamond Bar homeowners, CEA is often the most accessible option for earthquake coverage, especially if you're having trouble finding coverage elsewhere.
Yes, California homeowners are experiencing significant rate increases due to catastrophic wildfires, rising construction costs, and insurer exits from the market. Many homeowners saw 10-20% increases between 2023 and 2024, with additional increases approved for 2025. Diamond Bar has been somewhat insulated from the worst increases because it's not in a high wildfire risk zone, but rates are still climbing.
Yes, some insurance carriers will decline coverage for homes on steep hillsides or homes with certain foundation types like post-and-pier construction. However, you have options—work with an independent insurance agent who can shop multiple carriers to find one willing to cover your property. You may also qualify for California's FAIR Plan as a last resort, though coverage limits are lower.
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