Amita Truck Insurance
507 Penny Ln, Fortuna, CA 95540
View this agency's profile to learn more about their services.
Loading...
City directory
Fortuna 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.
507 Penny Ln, Fortuna, CA 95540
View this agency's profile to learn more about their services.
210 12th St, Fortuna, CA 95540
View this agency's profile to learn more about their services.
1040 Main St, Fortuna, CA 95540
View this agency's profile to learn more about their services.
654 Main St, Fortuna, CA 95540
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Fortuna residents.
Everything Fortuna residents need to know about auto, home, earthquake, and flood insurance. Updated for 2026 with new CA minimum requirements.
Home InsuranceEssential guide to home insurance in Fortuna, CA. Understand earthquake risk, Eel River flooding, coverage options, and costs for 2026.
Car InsuranceFortuna auto insurance guide covering CA's new 30/60/15 minimums, at-fault system, US-101 driving risks, and rural Humboldt County factors.
As of January 1, 2025, California requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. These limits represent the first increase in over 50 years and will remain in effect until 2035 when they increase again.
No, standard homeowners insurance policies in California exclude earthquake damage. Given that Fortuna has a 99.69% probability of experiencing a major earthquake within 50 kilometers in the next 50 years, you'll need separate earthquake insurance through the California Earthquake Authority or a private insurer to be protected.
Home insurance in Humboldt County averages around $1,241 annually, or about $103 per month. Your actual rate varies based on your home's age, construction type, location, and coverage limits. This is below California's statewide average of approximately $1,543 per year.
While most of Fortuna is in FEMA Zone X (not required to have flood insurance), the city has a high flood risk score due to proximity to the Eel River. Flood insurance through the National Flood Insurance Program typically costs $500-700 annually and is recommended even if you're not in a mandatory flood zone, since standard homeowners policies don't cover flood damage.
Yes, bundling typically saves 15-25% on your combined premiums. If you're paying separately for auto ($1,961/year average) and home ($1,241/year average), a 20% bundle discount could save you over $640 annually. Contact local agents to compare bundle options from different insurers.
Fortuna has four local insurance agencies serving the community. One has been operating since 1931, providing deep institutional knowledge of local risks and claims processes. Working with local agents gives you personalized service and expertise about Humboldt County-specific insurance considerations.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network