Huggins/dreckman Insurance Agency, Inc.
5152 Katella Avenue, Suite 206, Los Alamitos, CA 90720
View this agency's profile to learn more about their services.
Loading...
City directory
Los Alamitos households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
5152 Katella Avenue, Suite 206, Los Alamitos, CA 90720
View this agency's profile to learn more about their services.
10405 Los Alamitos Blvd, Los Alamitos, CA 90720
View this agency's profile to learn more about their services.
11022 Winner Cir, Los Alamitos, CA 90720
View this agency's profile to learn more about their services.
11022 Winners Circle, Los Alamitos, CA 90720
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Los Alamitos residents.
Complete insurance guide for Los Alamitos, CA. Learn about 2025 auto requirements, home insurance rates, earthquake coverage, and local agents.
Home InsuranceLos Alamitos home insurance guide: earthquake coverage essentials, typical costs for $875K homes, and discounts. Get protected in Orange County's top school district.
Car InsuranceLos Alamitos drivers need to know California's new 30/60/15 minimums and at-fault rules. Get coverage tips for I-405/I-605 commuters in Orange County.
As of January 2025, California requires minimum liability coverage of 30/60/15, which means $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. These limits doubled from the previous 15/30/5 requirements and will remain in effect until 2035, when they increase again to 50/100/25.
Orange County drivers pay an average of $162 per month for auto insurance, which is lower than California's state average of $210 per month. However, your specific rate depends on factors like your driving record, age, vehicle type, and coverage limits. Shopping around with multiple insurers can help you find the best rate for your situation.
Given that Los Alamitos sits near the Newport-Inglewood fault system, which could produce a magnitude 7.4 earthquake according to research from Scripps Institution of Oceanography, earthquake insurance is worth serious consideration. Standard homeowners policies don't cover earthquake damage, meaning you'd pay for all repairs out of pocket. Earthquake insurance costs between $1,248 and $2,744 annually for $500,000 in coverage.
California homeowners insurance rates have risen dramatically due to wildfire risk, increased construction costs, and inflation. Some insurers raised rates by 34% in 2025 alone, and several major carriers have reduced their presence in the state. However, Los Alamitos residents may have an advantage since the city isn't located in a high wildfire zone, which can help keep rates more reasonable.
Absolutely. Renters insurance costs just $15 to $30 per month and provides crucial protection for your belongings and liability coverage if someone is injured in your rental. Many landlords now require it, and considering that Los Alamitos has median rents around $2,273 per month, protecting yourself from potential lawsuits or replacing your belongings after theft or damage is well worth the small investment.
Yes, military members, veterans, and government employees often qualify for significant insurance discounts. If you're connected to the Joint Forces Training Base, you may be eligible for USAA insurance or military discounts from other major carriers. Additionally, bundling multiple policies, maintaining a good driving record, and installing security systems can all reduce your premiums.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network