Advantis Insurance Services
26522 La Alameda, Suite 210, Mission Viejo, CA 92691
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26522 La Alameda, Suite 210, Mission Viejo, CA 92691
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24002 Via Fabricante, Mission Viejo, CA 92691
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26522 La Alameda, Suite 130, Mission Viejo, CA 92691
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28570 Marguerite Pkwy, Ste. 110, Mission Viejo, CA 92692
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28570 Marguerite Parkway, Ste 110, Mission Viejo, CA 92692
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27525 Puerta Real, Ste. 300-338, Mission Viejo, CA 92691
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23120 Alicia Pkwy Ste, # 231, Mission Viejo, CA 92692
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26182 Calle Cresta, Mission Viejo, CA 92692
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25108 Marguerite Pkwy, Ste A10, Mission Viejo, CA 92692
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Mission Viejo (no street address listed; business operates remotely/virtual), Mission Viejo, CA 92691
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Learn about insurance coverage options specific to Mission Viejo residents.
Navigate Mission Viejo earthquake risk, wildfire zones, and HOA insurance requirements. Average costs, coverage gaps, and what your standard policy won't cover.
General Insurance EducationComplete insurance guide for Mission Viejo residents. Learn about auto rates, home coverage, earthquake protection, and California-specific regulations.
Car InsuranceMission Viejo auto insurance averages $2,057/year. Learn about California's new 30/60/15 minimums, I-5 corridor risks, and how to save on coverage.
Car InsuranceMission Viejo drivers pay $2,217/year for car insurance on average. Learn how your ZIP code, I-5 commute, and community affect rates plus ways to save.
No, standard homeowners insurance in California explicitly excludes earthquake damage. You need a separate earthquake policy through the California Earthquake Authority (CEA). These policies typically cost $800-$1,500 annually for a $500,000 home but come with high deductibles of 10-20% of your dwelling coverage. Without this separate coverage, you'll pay for all earthquake-related repairs out of pocket.
If traditional carriers won't insure your home, you can apply for the California FAIR Plan, which provides basic fire coverage as a last resort option. However, FAIR Plan only covers fire, lightning, internal explosion, and smoke—nothing else. You'll need separate policies for theft, liability, and water damage, making the combined cost typically higher than traditional comprehensive coverage.
Your HOA's master policy covers shared structures and common areas, while your personal policy covers your unit's interior, belongings, and liability. The critical issue is the gap between these policies—if your HOA faces a large claim with a substantial deductible affecting multiple units, you could face a special assessment charge. Make sure your personal policy includes loss assessment coverage to protect against these unexpected costs.
If you own lakefront property with a dock, you must carry liability insurance with LMVA named as co-insured before dock installation. All watercraft—including boats, kayaks, SUPs, and even remote-controlled hobby boats—require prescribed insurance forms submitted to LMVA administration before receiving registration permits. These requirements are mandatory under your membership agreement.
Standard homeowners insurance in Mission Viejo averages $1,100-$1,400 annually, slightly above California's state average of $1,148. Add earthquake coverage and you're looking at $2,000-$3,000 total for comprehensive protection. Actual costs vary significantly based on your home's age, construction type, proximity to hazard zones, and roofing materials, with differences between carriers reaching $1,500 for identical coverage.
Yes, older homes—particularly those in established neighborhoods like Pacific Hills or Casta del Sol—typically cost more to insure because they were built before modern seismic building codes. Homes on hillsides face additional earthquake risk, and properties near canyon interfaces may face wildfire surcharges. The combination of age, location, and construction type significantly impacts your premium.
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