Question 1

Does my regular homeowners insurance cover earthquakes in Glendora?

Accepted Answer

No, standard California homeowners policies exclude earthquake damage entirely. You need a separate earthquake policy to cover structural damage, personal belongings, and additional living expenses after an earthquake. Coverage typically costs $1,200-$3,000 annually for $500,000 in dwelling coverage, with deductibles ranging from 5-25% of your coverage amount.

Question 2

What is the California FAIR Plan and do I need it?

Accepted Answer

The California FAIR Plan is a last-resort fire insurance program for homeowners who can't obtain coverage in the traditional market due to wildfire risk. You might need it if insurers have denied you coverage or quoted unaffordable rates because of Glendora's fire hazard classification. It's more expensive and less comprehensive than traditional coverage, but it ensures you can maintain basic fire protection when other options aren't available.

Question 3

How can I reduce my home insurance costs in a wildfire zone?

Accepted Answer

Implement Safer from Wildfires recommendations like upgrading to a Class A fire-rated roof, installing ember-resistant vent covers, using fire-resistant materials for decking, and maintaining defensible space around your home. California law now requires insurers to provide discounts for these mitigation measures. Each improvement reduces your actual risk and must be reflected in lower premiums.

Question 4

What happens if I try to sell my Glendora home without proper fire inspections?

Accepted Answer

Since July 2021, California requires documentation of a compliant defensible space inspection when selling property in high or very high fire hazard severity zones. Many Glendora properties fall into these zones, so you'll need to provide this documentation as part of your sale. The inspection verifies you've maintained proper clearances and vegetation management around the property.

Question 5

Are insurance companies returning to high fire-risk areas like Glendora?

Accepted Answer

California's 2024 Sustainable Insurance Strategy—the largest insurance reform in 30 years—is designed to bring insurers back to higher-risk areas by allowing them to use forward-looking catastrophe models and requiring them to recognize wildfire safety improvements. While the market is still adjusting, these reforms aim to increase private market coverage options and reduce dependence on the FAIR Plan over time.

Question 6

How much should earthquake insurance deductibles affect my decision?

Accepted Answer

Earthquake deductibles of 5-25% are substantially higher than typical homeowners deductibles. On a $500,000 policy with a 15% deductible, you'd pay the first $75,000 of damage yourself. Choose your deductible based on your savings and ability to handle partial damage out of pocket, using the insurance primarily for catastrophic total loss protection rather than smaller repairs.

Insurance Agents in Glendora, California (CA)

Insurance agencies serving Glendora

Dow Agency - Insurance, Medicare, & Financial Solutions

FICS Insurance Agency

Insurance Agents in Glendora, California (CA)

Insurance agencies serving Glendora

Dow Agency - Insurance, Medicare, & Financial Solutions

FICS Insurance Agency

Glendora Employment Agency, Inc.

Jackson & Jackson Insurance Agents And Brokers

Match Play Insurance & Financial Services, LLC

Oak Insurance Solutions

Route 66 Insurance Agency

Tashjian Insurance

Insurance Guides for Glendora

Home Insurance in Glendora

Auto Insurance in Glendora

Glendora Insurance Guide

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