Martplan Insurance
1001 W. Whittier Blvd., La Habra, CA 90631
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La Habra households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1001 W. Whittier Blvd., La Habra, CA 90631
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1901 E Lambert Rd, La Habra, CA 90631
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1901 E Lambert Rd, Suite 209, La Habra, CA 90631
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912 E Francis Ave, STE B, La Habra, CA 90631
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Learn about insurance coverage options specific to La Habra residents.
Complete La Habra insurance guide covering CA's new 30/60/15 auto requirements, earthquake coverage, flood protection, and local agents serving Orange County.
Home InsuranceComplete guide to home insurance in La Habra: earthquake coverage, hillside home rates, older home challenges, and money-saving tips for Orange County.
Car InsuranceLa Habra auto insurance averages $179/month. California's new 30/60/15 minimums took effect in 2025. Learn what coverage you really need in Orange County.
California's minimum auto insurance requirements changed on January 1, 2025, to 30/60/15 coverage. This means $30,000 for bodily injury per person, $60,000 per accident, and $15,000 for property damage. These limits doubled from the previous 15/30/5 requirements that had been in place since 1967. All policies automatically updated to meet the new minimums upon renewal after January 1, 2025.
La Habra drivers pay an average of $179 per month for auto insurance, though rates vary significantly by provider and driver characteristics. The most affordable option, SAFECO, averages around $82 per month, while some residents pay up to $224 monthly. Your age significantly impacts rates—drivers in their 40s pay around $137 monthly on average, while those in their 30s pay closer to $205 monthly.
No, standard homeowners insurance policies in La Habra and throughout California do not cover earthquake damage. You need a separate earthquake policy, typically through the California Earthquake Authority. Given La Habra's proximity to the Puente Hills fault, earthquake coverage is highly recommended. Most homeowners choose a 15% deductible, which typically costs less than $1,000 annually for most properties.
While La Habra isn't in a high-risk coastal flood zone, flood insurance is worth considering, especially if your home is in a low-lying area or near drainage channels. Orange County has experienced flash flooding from heavy storms in recent years. Flood insurance through FEMA's National Flood Insurance Program averages $901 annually in California. Keep in mind that just one inch of flooding can cause approximately $27,000 in damages that your standard homeowners policy won't cover.
The most effective way to save is bundling your auto and home insurance with the same company, which typically saves 15-25% on both policies. Also shop around every 2-3 years since rates vary dramatically between providers—the difference between the most and least expensive insurers can exceed $100 monthly for identical coverage. Improving your credit score, installing security systems, and maintaining a claims-free history can also reduce your premiums significantly.
Working with one of La Habra's four local insurance agencies has advantages, particularly if you choose an independent agent who represents multiple carriers. Local agents understand area-specific risks like the Puente Hills fault and Coyote Creek flood zones, and they can recommend appropriate coverage limits for La Habra's housing market. Independent agents can shop your coverage across multiple insurers at once and provide personalized service when you need to file a claim.
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