Evolution Financial & Insurance Solutions
4712 Admiralty Way, Suite 1207, Marina Del Rey, CA 90292
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Marina Del Rey households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4712 Admiralty Way, Suite 1207, Marina Del Rey, CA 90292
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27 Outrigger St, #4, Marina Del Rey, CA 90292
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13160 Mindanao Way, Ste 204, Marina del Rey, CA 90292
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34 Anchorage St, Marina del Rey, CA 90292
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12240 Venice Blvd Ste, Marina Del Rey, CA 90066
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Learn about insurance coverage options specific to Marina Del Rey residents.
Marina Del Rey homeowners need flood and earthquake coverage beyond standard policies. Learn costs, FEMA zones, and FAIR Plan options in 2026.
Navigate Marina Del Rey's insurance market: LA County's high auto rates, waterfront property coverage, flood requirements, and boat insurance marina mandates.
Car InsuranceMarina Del Rey drivers pay 36% above CA average for auto insurance. Learn about 30/60/15 requirements, best rates from CSAA and USAA, and coverage tips.
No, standard homeowners insurance policies do not cover flood damage from storm surges, heavy rainfall, or tsunamis. Marina Del Rey has high flood risk with much of the area in FEMA flood zone AE, so you'll need a separate flood insurance policy through the National Flood Insurance Program (NFIP). If your property is in a designated flood zone and you have a mortgage, your lender will require it.
California Earthquake Authority (CEA) policies saw a 6.8% rate increase in January 2025, with the average homeowner paying about $70 more per year. Your actual cost depends on your property's location, age, construction type, and the deductible you choose (ranging from 5% to 25% of your home's value). CEA offers up to 25% discounts for properly retrofitted older homes.
The California FAIR Plan is the state's insurer of last resort, providing basic fire coverage when you can't find traditional homeowners insurance. It's become increasingly necessary as major carriers like State Farm and Allstate have stopped writing new policies in high-risk areas. The FAIR Plan is more expensive—ranging from $1,800 to $6,000+ annually—and provides limited coverage, so you typically need to supplement it with a difference-in-conditions policy.
Los Angeles County homeowners pay an average of $1,604 per year—21% higher than California's state average—because of elevated wildfire risk, earthquake exposure, high property values, and the aftermath of the January 2025 Los Angeles wildfires that caused $33.9 billion in insured losses. Coastal properties face additional risks from saltwater corrosion, wind damage, and flood exposure, all of which increase premiums.
Yes, even though your HOA has a master insurance policy covering the building structure and common areas, you need an HO-6 condo insurance policy to protect your unit's interior improvements, personal property, and provide liability coverage. Additionally, the HOA's master policy may not include flood insurance, so check your FEMA flood zone designation and purchase separate flood coverage if needed.
NFIP flood insurance policies typically have a 30-day waiting period before coverage takes effect. This means you can't wait until a storm is approaching to purchase protection—you need to plan ahead. There are limited exceptions to the waiting period, such as when flood insurance is required as a condition of a mortgage closing.
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