Westins Insurance Brokerage
8615 Florence Ave, Ste 210, Downey, CA 90240
View this agency's profile to learn more about their services.
Loading...
City directory
Downey 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.
8615 Florence Ave, Ste 210, Downey, CA 90240
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Downey residents.
Get affordable auto insurance in Downey, CA. Understand California's 15/30/5 minimums, I-5/I-105 traffic risks, and local coverage options. Compare quotes today.
No, standard homeowners insurance policies in California explicitly exclude earthquake damage. You need to purchase a separate earthquake insurance policy to protect your home from seismic events. Despite living in an active earthquake zone, only about 10% of California residents carry earthquake coverage, leaving most homeowners financially exposed.
Earthquake insurance in California typically costs between $1,248 and $2,744 per year for $500,000 in coverage, though rates vary by location and specific risk factors. After the California Earthquake Authority's 6.8% rate increase in January 2025, most homeowners pay about $70 more annually. Higher-value homes in premium Downey neighborhoods may see premiums exceeding $3,000 per year.
Yes, retrofitting is highly recommended for Downey's mid-century homes, which make up nearly 69% of the city's housing stock. Homes built in the 1940s-1960s typically lack modern seismic protections like foundation bolting and cripple wall bracing. Retrofitting significantly reduces earthquake damage risk and may qualify you for insurance premium discounts. Check for local grants or low-interest loan programs to help offset costs.
Earthquake insurance deductibles typically range from 5% to 25% of your dwelling coverage amount. For a Downey home with $500,000 in dwelling coverage, you could be responsible for $25,000 to $125,000 in damage before insurance coverage begins. This is significantly higher than standard homeowners policy deductibles, but protects you from paying for the entire rebuild yourself.
You should review your coverage annually, especially in Downey's appreciating market where home values increased 5.6% year-over-year in late 2024. Many homeowners are underinsured because their dwelling coverage hasn't kept pace with rising replacement costs. Make sure your policy limits reflect current rebuilding costs, including materials, labor, and bringing your home up to current building codes.
The California Earthquake Authority (CEA) should be your first stop when shopping for earthquake insurance. The CEA partners with many private insurance companies and offers standardized policies with transparent pricing. You can use their online calculator to get estimates based on your specific home, location, and coverage needs before making a decision.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network