ADA-VIS Global Insurance Services
26832 Adams Ave, Ste 101, Murrieta, CA 92562
View this agency's profile to learn more about their services.
Loading...
City directory
Murrieta households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
26832 Adams Ave, Ste 101, Murrieta, CA 92562
View this agency's profile to learn more about their services.
25359 Madison Ave, Ste 102, Murrieta, CA 92562
View this agency's profile to learn more about their services.
40525 California Oaks Rd Suite E-6, Murrieta, CA 92562
View this agency's profile to learn more about their services.
41856 Ivy Street, #108, Murrieta, CA 92562
View this agency's profile to learn more about their services.
41870 Kalmia St, Ste 155, Murrieta, CA 92562
View this agency's profile to learn more about their services.
39413 Los Alamos Road, Suite D, Murrieta, CA 92563
View this agency's profile to learn more about their services.
26035 Jefferson Ave, Ste A, Murrieta, CA 92562
View this agency's profile to learn more about their services.
41856 Ivy St, Suite 110, Murrieta, CA 92562
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Murrieta residents.
Murrieta home insurance averages $1,543/year but varies by wildfire zone. Learn about earthquake coverage, defensible space rules, and ways to save.
Car InsuranceMurrieta drivers pay $1,750/year for auto insurance—below CA's average. Learn about new 2025 minimums, at-fault laws, and coverage for I-15/I-215 commuters.
General Insurance EducationMurrieta residents save with Fire Risk Reduction status. Learn about CA's new 30/60/15 auto minimums, wildfire discounts, and southwest Riverside coverage.
Yes, standard homeowners insurance policies in California cover wildfire damage to your home and belongings. However, you should verify your policy includes adequate dwelling coverage and extended replacement cost protection, especially given rising construction costs. Wildfire coverage is included, but earthquake and flood damage require separate policies.
Earthquake insurance in California typically costs $1,248 to $2,744 annually for $500,000 in coverage, though your exact cost depends on your home's age, construction type, soil conditions, and number of stories. Use the California Earthquake Authority's premium calculator for a specific estimate. You must purchase earthquake coverage through your existing homeowners insurance company.
Defensible space is a buffer zone around your home where vegetation and flammable materials are cleared or reduced to slow wildfire spread. Since January 2021, Murrieta requires defensible space inspections for homes sold in Very High and High Fire Hazard Severity Zones per AB 38. Creating defensible space not only meets legal requirements but can also lower your insurance premiums.
Rates are rising primarily due to increased wildfire risk—94% of Murrieta buildings face extreme fire risk. Major insurers like State Farm and Farmers raised rates 20% and 15% respectively in March 2024. Rising construction costs, climate change impacts, and California's high rebuilding expenses also contribute to premium increases across high-risk areas.
Yes, most insurers offer discounts for fire mitigation measures like creating defensible space, installing fire-resistant roofing, upgrading to dual-pane windows, or adding fire sprinkler systems. Murrieta's Fire Risk Reduction Community status also demonstrates city-wide prevention efforts that may help moderate rates. Always ask insurers specifically about available discounts when getting quotes.
California doesn't legally require homeowners to buy insurance, but mortgage lenders require it as a loan condition until your mortgage is paid off. Since most Murrieta homeowners finance their purchase, insurance is effectively mandatory. Lenders want to protect their investment, and you should want to protect yours too.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network