Marina Amezcua Insurance
4940 Long Beach Blvd, Long Beach, CA 90805
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4940 Long Beach Blvd, Long Beach, CA 90805
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444 W Ocean Blvd, Suite 800, Long Beach, CA 90802
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3780 Kilroy Airport Way, Suite 200, Long Beach, CA 90806
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444 W. Ocean Blvd., Suite 1102, Long Beach, CA 90802
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2150 E South St, Suite 113, Long Beach, CA 90805
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1725 E 7th St, Long Beach, CA 90813
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100 Oceangate, Ste 840, Long Beach, CA 90802
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5000 Airport Plaza Dr, Ste 100, Long Beach, CA 90815
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3229 E Spring St, Ste 340, Long Beach, CA 90806
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Learn about insurance coverage options specific to Long Beach residents.
Long Beach sits on the Newport-Inglewood fault capable of a 7.4 quake. Learn how earthquake insurance works, costs, and why only 11% of Californians have it.
Home InsuranceLong Beach homes face earthquake, liquefaction, and tsunami risks. Learn why standard insurance isn't enough and how to protect your home completely.
Home InsuranceLong Beach home insurance averages $1,641/year. Learn about earthquake coverage, historic Craftsman homes, flood zones, and how to save on premiums.
Car InsuranceLong Beach drivers pay $176/month average for auto insurance. Learn about CA's 2025 coverage updates, Prop 103 protections, and 710/405 freeway risks.
General Insurance EducationComplete guide to Long Beach insurance: 2025 auto law changes, earthquake coverage costs, Prop 103 protections, and waterfront home needs.
Car InsuranceLong Beach car insurance costs $1,890/year on average. Learn how port traffic, theft rates, and new 2025 requirements affect your rates and coverage needs.
No, standard homeowners insurance policies in California do not cover earthquake damage. They will cover fires caused by earthquakes, but structural damage from the shaking itself requires a separate earthquake insurance policy. California law requires your homeowners insurer to offer you earthquake coverage, but it's never included automatically.
Earthquake insurance premiums in Long Beach typically range from $800 to $5,000 or more annually, depending on your home's location, age, construction type, and the coverage limits and deductible you choose. Homes closer to the Newport-Inglewood fault or built before modern seismic codes generally cost more to insure. Retrofitting your home with seismic upgrades can help lower your premium.
Earthquake insurance deductibles in California are significantly higher than standard homeowners insurance deductibles, typically ranging from 10% to 25% of your dwelling coverage amount. For example, if your home is insured for $600,000 with a 15% deductible, you would pay the first $90,000 in damage before your insurance coverage kicks in. Higher deductibles result in lower annual premiums.
CEA policies cover damage to your home's structure, personal belongings (typically up to $5,000), and additional living expenses if your home becomes uninhabitable after an earthquake. Some policies also include building code upgrade coverage, which pays to bring your home up to current building standards during repairs—particularly valuable for older Long Beach homes built before modern earthquake safety codes.
Long Beach sits directly on the Newport-Inglewood fault, which seismologists predict could produce a magnitude 7.3 to 7.4 earthquake—significantly larger than the magnitude 6.4 earthquake that killed 120 people in 1933. The fault has a slip rate of approximately 0.6 mm per year and is considered one of the greatest seismic hazards in the United States due to its location under densely populated areas.
Insurance companies typically restrict or suspend the sale of new earthquake policies immediately after earthquakes or during periods of increased seismic activity in an area. You cannot buy coverage after damage has already occurred. The best time to purchase earthquake insurance is during quiet periods, well before any seismic events, to ensure you're protected when the next earthquake strikes.
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