E360 Insurance Services
16000 Ventura Blvd, Suite 400, Encino, CA 91436
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16000 Ventura Blvd, Suite 400, Encino, CA 91436
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17547 Ventura Blvd., Ste. 204, Encino, CA 91316
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17547 Ventura Blvd, #204, Encino, CA 91316
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17337 Ventura Blvd, Suite 314, Encino, CA 91316
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16501 Ventura Blvd, Suite 400-214, Encino, CA 91436
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15760 Ventura Blvd, Suite 500, Encino, CA 91436
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16255 Ventura Blvd, # 704, Encino, CA 91436
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Learn about insurance coverage options specific to Encino residents.
Encino home insurance guide for 2025. Learn about earthquake coverage, hillside property requirements, and protecting $1.5M+ homes in Los Angeles County.
Car InsuranceEncino auto insurance guide: California's new 30/60/15 minimums, at-fault system explained, 101/405 traffic risks, and why you need more than minimum coverage.
General Insurance EducationComplete insurance guide for Encino residents. Learn about California's 2025 auto requirements, homeowners coverage options, wildfire risks, and costs.
While not legally required, earthquake insurance is highly recommended in Encino given its proximity to active fault lines. Standard homeowners policies exclude all earthquake damage, meaning you'd be responsible for 100% of repair or rebuilding costs after seismic activity. With home values exceeding $1.4 million on average, the $800-$2,000 annual premium is a small price compared to potential out-of-pocket costs that could reach hundreds of thousands of dollars.
Hillside properties on slopes exceeding 30 degrees face stricter underwriting requirements due to increased risks including soil stability issues, fire danger, and potential slide damage during heavy rains. Many standard insurers require special approval for these properties, and some won't insure them at all. Working with an independent agent who specializes in difficult-to-insure properties can help you find appropriate coverage.
Your home should be insured for 100% of its replacement cost, not its market value. This means the full cost to rebuild from scratch using similar quality materials and finishes. With Encino's custom homes featuring high-end details, replacement costs often exceed market value. Schedule a replacement cost appraisal to get an accurate figure based on your home's specific construction and features.
The California FAIR Plan is a last-resort insurance option for homeowners who can't obtain coverage through standard markets, often due to high fire risk or other factors. While more limited and typically more expensive than standard policies, it ensures you can meet mortgage requirements. Many homeowners combine a FAIR Plan policy with separate coverage from private carriers for better overall protection.
Several strategies can reduce premiums: increase your deductible, bundle home and auto insurance with the same carrier, install security systems and fire alarms, retrofit older homes for earthquake resistance (which can save up to 25% on earthquake premiums), maintain good credit, and shop around with multiple insurers. Also ask about discounts for being claims-free, having updated electrical and plumbing systems, or being a long-term customer.
Standard policies exclude earthquake damage, flood damage, earth movement or landslides, normal wear and tear, and damage from lack of maintenance. Many policies also exclude or limit coverage for mold, sewer backup, and damage from certain types of water intrusion. You'll need separate policies or endorsements for earthquake and flood coverage, and consider adding water backup coverage and equipment breakdown endorsements for comprehensive protection.
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