A P Insurance Services
17009 Chatsworth St, Granada Hills, CA 91344
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17009 Chatsworth St, Granada Hills, CA 91344
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10734 White Oak Ave, Granada Hills, CA 91344
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10727 White Oak Ave, Ste 115, Granada Hills, CA 91344
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10718 White Oak Ave, Suite 5A, Granada Hills, CA 91344
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17817 Chatsworth St, Suite 240, Granada Hills, CA 91344
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Learn about insurance coverage options specific to Granada Hills residents.
Granada Hills has 96.86% earthquake risk in 50 years. Learn why standard home insurance doesn't cover quake damage and what you need after 1994's devastation.
Car InsuranceGranada Hills drivers pay $243/month average. Learn about California's new 30/60/15 minimums, at-fault system, and how to save on coverage near I-405/I-5.
No, earthquake insurance is not legally required, even though Granada Hills has very high earthquake risk. However, your mortgage lender may require it. Even if they don't, the 96.86% chance of a major earthquake in the next 50 years makes it a critical protection for most homeowners who couldn't afford to rebuild out of pocket.
Los Angeles County homeowners pay an average of $1,583 to $1,604 per year for standard home insurance with $300,000 in dwelling coverage. However, premiums are rising—California homeowners insurance is projected to increase by 21% throughout 2025. Earthquake insurance is a separate policy with additional costs based on your home's value and chosen deductible.
The 1994 earthquake caused foundation damage, collapsed chimneys, ruptured gas and water lines, and destroyed homes. In Granada Hills specifically, a gas main explosion created a 100-foot fireball and ten-foot crater that destroyed five homes. Without earthquake insurance, homeowners paid for all non-fire repairs themselves, often totaling hundreds of thousands of dollars.
Standard homeowners insurance in California does not cover earthquake damage to your structure or foundation. However, California law requires it to cover fire damage caused by or following an earthquake, even without earthquake coverage. So if an earthquake ruptures a gas line and causes a fire, the fire damage is covered.
California home insurance rates are rising due to several factors: catastrophic wildfire losses across LA County, new regulations allowing insurers to factor in climate change data, and increased reinsurance costs. Even though Granada Hills has low wildfire risk, being in Los Angeles County means sharing regional risk premiums. State Farm alone received approval for a 22% average rate increase in 2025.
Earthquake deductibles typically range from 2% to 20% of your home's replacement value. Choose the highest deductible you could pay in an emergency from savings or a home equity line of credit—this lowers your premium while protecting against catastrophic loss. For a $600,000 home, a 10% deductible means you pay the first $60,000 of damage.
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