California Mutual Insurance
650 San Benito St, Ste 250, Hollister, CA 95023
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650 San Benito St, Ste 250, Hollister, CA 95023
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911 Sunset Dr, Hollister, CA 95023
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330 Tres Pinos Rd, Ste A1, Hollister, CA 95023
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Learn about insurance coverage options specific to Hollister residents.
Hollister sits on the Calaveras Fault. Learn about home insurance costs, earthquake coverage options, and protecting your investment in this seismic zone.
Car InsuranceHollister drivers face unique risks—earthquake faults, Highway 25, ag traffic. Learn CA's new 30/60/15 minimums and how at-fault rules affect your rates.
General Insurance EducationEssential insurance guide for Hollister, CA. Learn about earthquake coverage on the Calaveras Fault, motorcycle rally protection, and commuter auto needs.
No, standard homeowners insurance policies do not cover earthquake damage in California. You need a separate earthquake insurance policy from the California Earthquake Authority or a private insurer to protect against seismic events. This includes damage from both sudden earthquakes and gradual fault creep.
Earthquake insurance costs vary based on your home's value, age, and construction type, but the California Earthquake Authority increased rates by 6.8% in January 2025, adding about $70 per year for the average homeowner. The bigger concern is the deductible, which typically ranges from 10–20% of your dwelling coverage—meaning you'd pay $72,000 to $144,000 out of pocket on a $720,000 home before insurance coverage begins.
Yes, Hollister sits directly on the Calaveras Fault, which runs through the city and is actively creeping at about 7 millimeters per year. The area experienced multiple earthquakes in 2025, including magnitudes of 4.0, 3.7, and 3.1. While creeping sections reduce the likelihood of massive quakes, the fault is still capable of producing M5-6 earthquakes every few decades.
Yes, the California Earthquake Authority offers premium discounts of up to 25% for older homes that have been properly retrofitted to meet modern seismic standards. This includes foundation bolting and cripple wall bracing performed by qualified contractors. Contact your insurance agent to verify eligibility and required documentation.
While specific data for Hollister isn't publicly available, California's average home insurance cost is $1,405 per year ($117 per month), making it one of the most affordable states. Rates vary by county, with San Benito County generally falling in the middle range. Your actual rate depends on your home's value, age, construction type, and coverage limits.
Generally no. Earthquake insurance typically covers sudden seismic events, not gradual damage from fault creep. The slow-motion ground movement that causes foundations to crack and walls to separate over years is usually considered maintenance rather than a covered peril. This is an important limitation for Hollister homeowners to understand, as creep-related damage is common in the area.
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