ALL-STAR Elite Insurance
4520 Holt Blvd, Montclair, CA 91763
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4520 Holt Blvd, Montclair, CA 91763
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5050 Palo Verde St. Suite, # 103C, Montclair, CA 91763
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4795 Holt Blvd, Ste 107, Montclair, CA 91763
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9543 Central Ave, Montclair, CA 91763
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Learn about insurance coverage options specific to Montclair residents.
Montclair home insurance guide covering earthquake risks, 2025 rate increases, coverage options, and how to save on premiums in San Bernardino County.
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Given that Montclair sits in San Bernardino County, one of California's most earthquake-vulnerable areas, earthquake insurance is a smart investment. Standard home insurance doesn't cover earthquake damage, so without a separate policy, you'd pay out-of-pocket to repair or rebuild your home after a quake. With median home values over $600,000, that's a risk most people can't afford to take.
Three major factors are driving rate increases: catastrophic wildfire losses costing insurers billions, inflation raising reconstruction costs, and a new 2024 rule allowing insurers to pass reinsurance expenses directly to policyholders. California premiums rose roughly 20% between 2023 and 2025, with the reinsurance cost pass-through potentially adding another 40-50% over time.
Your dwelling coverage should reflect the cost to completely rebuild your home, not its market value. With construction costs elevated and Montclair median home values around $650,000, many homes need dwelling coverage of $500,000 or more. Work with your insurer or a contractor to estimate accurate rebuilding costs for your specific property, including current labor and materials prices.
The California FAIR Plan is the state's insurer of last resort for homeowners who can't get coverage from traditional insurers. It provides basic fire coverage but typically costs more and offers less comprehensive protection than standard policies. You'd only need the FAIR Plan if other insurers decline to cover your home—it's not a first choice, but it's better than being uninsured.
Absolutely. Earthquake retrofitting—bolting your home to its foundation and reinforcing cripple walls—can earn you up to 25% off earthquake insurance premiums. Additionally, installing ember-resistant vents, Class A roofing, and creating defensible space can save 5-20% on your home insurance under California's Safer from Wildfires program, even in lower wildfire risk areas like Montclair.
You can't buy earthquake insurance directly from the California Earthquake Authority—you must purchase it through your home insurance company. Contact your current insurer and ask about adding a CEA earthquake policy to your coverage. The policy offers deductible options from 5-25%, and you can customize coverage based on your budget and risk tolerance.
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