Drive Star Insurance Services
5653 Cahuenga Boulevard, North Hollywood, CA 91601
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5653 Cahuenga Boulevard, North Hollywood, CA 91601
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12432 Oxnard St, North Hollywood, CA 91606
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5250 Lankershim Blvd., Suite 500, North Hollywood, CA 91601
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10153-1/2 Riverside Dr, North Hollywood, CA 91604
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5756 Lankershim Blvd North, North Hollywood, CA 91601
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5756 Lankershim Blvd, North Hollywood, CA 91601
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10929 Vanowen St, Suite 106, North Hollywood, CA 91605
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12119 Saticoy Street, North Hollywood, CA 91605
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4605 Lankershim Blvd, Suite 419, North Hollywood, CA 91602
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Learn about insurance coverage options specific to North Hollywood residents.
North Hollywood home insurance guide: earthquake coverage essentials, CEA rates, retrofitting discounts, and protecting vintage to new construction homes.
General Insurance EducationEssential insurance guide for North Hollywood residents. Learn about California's new 2025 auto requirements, earthquake coverage, and renters insurance.
Car InsuranceNorth Hollywood auto insurance guide: California's new 30/60/15 minimums, at-fault laws, 170 freeway risks, and how to save money on coverage in 2025.
No, standard homeowners insurance policies in California explicitly exclude earthquake damage. You need a separate earthquake insurance policy to cover damage from earthquakes, including foundation cracks, structural damage, and related losses. This is true regardless of whether you own a condo, single-family home, or townhouse in North Hollywood.
The average earthquake insurance premium in California is approximately $1,770 annually for a home with $500,000 in replacement coverage, though costs vary significantly based on your home's age, construction type, and location. As of January 2025, CEA rates increased 6.8%, adding about $70 per year for most homeowners. You can choose deductibles from 5% to 25% of your dwelling coverage, with lower deductibles resulting in higher premiums.
Yes, homes that have been properly retrofitted with seismic upgrades can qualify for earthquake insurance discounts of up to 25% through the California Earthquake Authority. Retrofitting typically includes bolting the foundation to the frame, reinforcing cripple walls, and installing automatic gas shutoff valves. The Earthquake Brace + Bolt program offers grants up to $3,000 to help qualifying homeowners cover retrofit costs.
Earthquake insurance deductibles are percentage-based (typically 10-25% of your dwelling coverage) rather than flat dollar amounts like standard homeowners deductibles ($1,000-$2,500). For example, a 15% deductible on a $800,000 home means you'd pay the first $120,000 of damage. This high deductible structure means earthquake insurance primarily protects against catastrophic total loss rather than minor damage.
Yes, condo and townhome owners need different coverage because the HOA's master policy typically covers the building's exterior and common areas. You need an HO-6 policy (condo insurance) that covers your unit's interior, personal property, and loss assessment coverage for earthquake damage to common areas. You'll also want separate earthquake coverage for your unit's contents and any improvements you've made.
Review your dwelling coverage annually, especially in rapidly appreciating markets like North Hollywood where home values rose 4.7% year-over-year in 2024. Your dwelling coverage should reflect current replacement costs—what it would cost to rebuild your home from scratch today—not your home's market value or purchase price. Construction costs have risen significantly, so many homeowners find they're underinsured when they review their policies.
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