AD Blue Insurance & Financial Services, Inc.
3701 Highland Avenue, Suite 100, Manhattan Beach, CA 90266
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Manhattan Beach households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3701 Highland Avenue, Suite 100, Manhattan Beach, CA 90266
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920 Manhattan Beach Blvd, #1, Manhattan Beach, CA 90266
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3201 N Sepulveda Blvd, Ste C, Manhattan Beach, CA 90266
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1219 Morningside Drive, Manhattan Beach, CA 90266
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111 N. Sepulveda Blvd., Suite 325, Manhattan Beach, CA 90266
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1413 N Sepulveda Blvd, Manhattan Beach, CA 90266
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Learn about insurance coverage options specific to Manhattan Beach residents.
Complete insurance guide for Manhattan Beach, CA. Learn about 2025 auto requirements, coastal home coverage, earthquake protection & local agents in the South Bay.
Home InsuranceManhattan Beach home insurance for $3M+ coastal properties. Learn about earthquake, flood coverage, and navigating California's challenging insurance market.
As of January 1, 2025, California requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for injuries to multiple people, and $15,000 for property damage. These limits doubled from the previous minimums that had been in place for over 50 years. However, most insurance experts recommend carrying significantly higher limits—at least $100,000/$300,000/$100,000—especially for residents of high-income areas like Manhattan Beach.
No, standard homeowners insurance policies do not cover earthquake damage. You need a separate earthquake insurance policy to protect your home from seismic activity. Given that Los Angeles County sits on multiple fault lines, earthquake coverage is highly recommended for Manhattan Beach homeowners. The cost varies based on your home's age, construction type, and proximity to fault lines.
Coastal properties like those in Manhattan Beach face higher insurance premiums due to several factors: salt air corrosion that damages building materials, increased wind exposure from ocean storms, higher property values, and elevated reconstruction costs specific to coastal areas. Additionally, coastal homeowners often need specialized coverage for risks like wind-driven rain and storm surge. Rates can range from $0.20 to $1.30 per $100 of insured value for luxury coastal homes.
Umbrella insurance provides additional liability coverage beyond your auto and homeowners policy limits, typically starting at $1 million. For Manhattan Beach residents with high home values and significant assets, umbrella coverage is essential protection against major liability claims. It costs only $150 to $300 annually for $1 million in coverage, making it an affordable way to protect your wealth from lawsuits that exceed your basic policy limits.
While Manhattan Beach doesn't face the same riverine flood risks as inland areas, flood insurance is still important for coastal properties. Standard homeowners policies don't cover flood damage from any source, including coastal storm surge and heavy rainfall. Given your proximity to the Pacific Ocean and the potential for severe winter storms, flood insurance provides crucial protection that your basic policy excludes.
For Manhattan Beach homeowners, working with a local agent who understands coastal property risks offers significant advantages. Local agents know which carriers will insure beachfront properties, understand specific coverage needs for salt air corrosion and wind exposure, and can identify gaps in coverage that online quotes might miss. Several experienced agencies serve the South Bay area with decades of local expertise.
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