CJT Insurance Services
700 2nd St., Suite C, Encinitas, CA 92024
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700 2nd St., Suite C, Encinitas, CA 92024
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996 N Coast Hwy 101, Suite C, Encinitas, CA 92024
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531 Encinitas Blvd, Suite 111, Encinitas, CA 92024
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1738 Old Mill Rd, Encinitas, CA 92024
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1036 Second Street, Encinitas, CA 92024
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Learn about insurance coverage options specific to Encinitas residents.
Navigate Encinitas home insurance challenges: coastal erosion, earthquake risk, and $2M home values. Learn coverage gaps and essential protections.
Car InsuranceEncinitas drivers pay $170/month average. Learn about CA's 2025 30/60/15 minimums, at-fault system, and I-5 corridor risks affecting your rates.
General Insurance EducationComplete insurance guide for Encinitas residents. Learn about coastal flood risks, wildfire zones, auto rates, and essential coverage in North County San Diego.
No, standard homeowners insurance does not cover coastal bluff erosion. Erosion is classified as earth movement and excluded from typical policies because it's a gradual, natural process. However, you can purchase separate flood insurance to cover storm-related flooding that often accompanies coastal erosion events.
In San Diego County, earthquake insurance costs between $2.90 and $3.09 per thousand dollars of coverage. For Encinitas' median home value of approximately $2 million, expect to pay roughly $2,200 to $2,300 annually. Homes built before 1980 or valued over $1 million face minimum 15% deductibles under California Earthquake Authority policies.
California insurers are raising rates due to increased wildfire risk, climate-related losses, and higher replacement costs. In 2024, State Farm and Farmers raised rates by 20% and 15% respectively. Many major carriers are also pulling back from high-risk coastal areas entirely, forcing homeowners into more expensive coverage through the California FAIR Plan.
If traditional insurers won't cover your property, you can obtain coverage through the California FAIR Plan, the state's insurer of last resort. FAIR Plan policies are more expensive and offer less comprehensive coverage than standard policies, but they ensure you can maintain insurance when other options aren't available.
Yes, especially if you're near the coast. Coastal properties face flood risk from storm surge, high tides, and erosion-related events even outside designated FEMA flood zones. Standard homeowners insurance excludes flood damage entirely, making separate flood insurance critical for comprehensive protection in a coastal community like Encinitas.
The CEA reduced personal property coverage from $200,000 to just $25,000 across all policies in 2024. They also increased the minimum deductible to 15% for homes built before 1980 without retrofitting or homes valued over $1 million, significantly increasing out-of-pocket costs after an earthquake.
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