Golden Road Insurance
11490 Wright Rd, Lynwood, CA 90262
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11490 Wright Rd, Lynwood, CA 90262
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11123 Long Beach Blvd, #7, Lynwood, CA 90262
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11404 Atlantic Ave, Lynwood, CA 90262
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11125 Atlantic Ave, Lynwood, CA 90262
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Learn about insurance coverage options specific to Lynwood residents.
Complete insurance guide for Lynwood, California. Learn about CA's new 30/60/15 auto requirements, homeowners costs, renters coverage, and local agencies.
Home InsuranceLynwood home insurance averages $1,570/year. Learn about earthquake coverage, costs for older homes, and how to save on your premium in this South LA suburb.
As of January 1, 2025, California requires 30/60/15 coverage: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. These new minimums replace the old 15/30/5 limits that had been in place for over 50 years. Your policy will be updated to meet these minimums when it renews.
Homeowners insurance in Los Angeles County, where Lynwood is located, averages around $1,566 per year. However, your actual cost depends on your home's age, location, construction type, and coverage limits. Bundling your home and auto policies can save you 10-12% on your premium.
Earthquake insurance isn't required, but it's worth considering since California sits on active fault lines. Standard homeowners and renters policies don't cover earthquake damage. Your insurer must offer earthquake coverage every two years, and most policies come through the California Earthquake Authority (CEA).
Renters insurance isn't required by law, but many landlords require it as part of the lease. Even if your landlord doesn't require it, renters insurance is highly recommended—it costs only $155-$271 per year on average and covers your belongings plus liability if someone gets injured in your apartment.
No, standard homeowners policies don't cover flood damage. If you're in a high-risk flood zone and have a mortgage, your lender will require separate flood insurance through the National Flood Insurance Program, which averages $811 per year in California. Check FEMA's Flood Map Service Center to see if your property is in a designated flood zone.
Lynwood has several local agencies including State Farm agents on Atlantic Avenue and offices with Spanish-speaking staff, Farmers Insurance at Plaza Mexico, and Freeway Insurance in Norton Plaza Shopping Mall. Many agents serve Lynwood's diverse community with bilingual services and can provide personalized advice based on local risks.
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