Aston Sharp Insurance Services
222 N Pacific Coast Highway, Floor 10, El Segundo, CA 90245
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222 N Pacific Coast Highway, Floor 10, El Segundo, CA 90245
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126 Lomita Street, El Segundo, CA 90245
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841 Apollo St, Ste 470, El Segundo, CA 90245
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Learn about insurance coverage options specific to El Segundo residents.
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For most El Segundo homeowners, yes. Scientists say there's a greater than 99% chance of a magnitude 6.7 or larger earthquake hitting California in the next 30 years, and the Los Angeles area is one of the highest-risk regions. While earthquake insurance costs around $1,770 per year on average, the alternative is paying out of pocket for tens or hundreds of thousands of dollars in damage. With El Segundo's high property values, going without earthquake coverage is a significant financial gamble.
Most standard homeowners insurance policies do cover damage from aircraft accidents, including incidents related to LAX operations. However, it's important to confirm this coverage with your specific insurer. While such events are extremely rare, living within a few miles of one of the world's busiest airports makes it worth verifying that your policy includes aircraft damage coverage.
Home insurance costs in El Segundo vary widely based on your home's value, age, construction type, and coverage levels. Given that El Segundo property values typically exceed California's median home price of around $852,880, you can expect premiums to be on the higher end. Earthquake insurance adds roughly $1,200 to $3,000 per year in the Los Angeles area. The best approach is to get quotes from multiple carriers and compare both premiums and coverage details.
Yes. Homes built before 1980 on raised foundations that have been properly seismically retrofitted may qualify for up to a 25% discount on California Earthquake Authority (CEA) premiums. This discount can save you hundreds of dollars annually and makes the cost of retrofitting much more financially viable. You'll need documentation proving the retrofit was completed to qualify.
Standard California homeowners policies do not cover earthquakes, floods, landslides, or certain types of water damage. You need separate policies for earthquake coverage (typically through CEA) and flood insurance (usually through the National Flood Insurance Program). Even if you have a mortgage, earthquake and flood coverage are optional unless specifically required by your lender based on your property's risk factors.
Your dwelling coverage should reflect the cost to rebuild your home at current construction prices, not your purchase price or current market value. In El Segundo, land value often makes up a large portion of your home's price, but you don't need to insure the land. Work with your insurance agent to get a replacement cost estimate based on your home's square footage, construction type, and features, and review this estimate every year or two as building costs change.
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