Infinity Assurance Group
12 Mauchly, #I, Irvine, CA 92618
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Irvine households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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12 Mauchly, #I, Irvine, CA 92618
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2172 Dupont Drive, Suite 15, Irvine, CA 92612
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1340 Reynolds Ave, Ste 103, Irvine, CA 92614
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4199 Campus Dr, Suite 550, Irvine, CA 92612
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9891 Irvine Center Dr, #160, Irvine, CA 92618
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16755 Von Karman Ave, Suite 200, Irvine, CA 92606
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2102 Business Center Drive, Suite 130, Irvine, CA 92612
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2172 Dupont Dr, Ste 220, Irvine, CA 92612
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Learn about insurance coverage options specific to Irvine residents.
Irvine home insurance averages $1,200-2,000/year. Learn about HOA master policies, earthquake coverage, bundling discounts, and protecting your Orange County home.
Home InsuranceIrvine homeowners insurance averages $1,500/year. Learn about HOA coordination, new construction discounts, earthquake coverage, and how to get the best rates.
General Insurance EducationComplete insurance guide for Irvine residents. Learn about CA's new 30/60/15 auto minimums, HOA master policies, earthquake coverage & Prop 103 protections.
Car InsuranceIrvine drivers pay $1,764/year for full coverage—lower than LA thanks to low crime rates. Learn how to save 30-40% with multi-car and bundling discounts.
Car InsuranceIrvine auto insurance averages $1,700-$2,300/year. Learn about California's new 30/60/15 minimums, bundling discounts, and coverage for 405 commuters.
Renters InsuranceAffordable renters insurance in Irvine averages $6-25/month. Learn about earthquake coverage, landlord requirements, and how Irvine's low crime saves you money.
Standard homeowners policies don't cover earthquake damage, so you need separate earthquake insurance through the California Earthquake Authority (CEA). Irvine is in a higher-risk earthquake zone in Orange County, and premiums typically run $800-1,500 annually with high deductibles (10-25% of your coverage limit). While it's not legally required, it's strongly recommended given the potential for catastrophic financial loss if a major earthquake damages your home.
Your HOA's master policy typically covers common areas, shared infrastructure, exterior walls, roofs, and the association's liability. It does not cover the interior of your home, your personal belongings, or your personal liability. You need your own homeowners or HO-6 policy to cover what's inside your unit, your flooring, cabinets, interior improvements, and personal property.
The average home insurance premium in Irvine is about $1,440 per year for $300,000 in dwelling coverage, or $1,064 for $200,000 in coverage. This is slightly higher than California's average of $1,148 but well below the national average of $2,423. Rates vary significantly by insurer, with CSAA Insurance (AAA) offering policies around $585 per year and State Farm averaging $1,570.
Yes, bundling typically saves California homeowners $460 per year on average, with discounts ranging from 10-26% depending on the company. State Farm offers the largest bundle discount in California at 26%, while Nationwide offers 23%. Companies like Allstate also offer competitive bundled rates, with some homeowners saving up to $900 annually by bundling policies.
Yes, new construction homes in Irvine qualify for new home discounts averaging $554 per year. Insurance companies offer lower rates for newer homes because they're built to current building codes, have modern electrical and plumbing systems, and pose lower risks for maintenance-related claims. This discount is automatically applied when you insure a newly built home.
Standard homeowners policies include fire coverage, which covers wildfire damage. Irvine is not in a high-risk wildfire zone compared to California's foothill and mountain communities, so you shouldn't have difficulty obtaining standard coverage that includes wildfire protection. However, California's insurance market has tightened overall, so working with an independent agent who represents multiple carriers can help ensure you find good coverage options.
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