1broker Insurance Services
1615 Hill Road, Suite 21, Novato, CA 94947
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Novato households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1615 Hill Road, Suite 21, Novato, CA 94947
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7200 Redwood Blvd, Suite 320, Novato, CA 94945
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1561 S Novato Blvd, STE B, Novato, CA 94947
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50 Mildenhall Street, Novato, CA 94949
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690 De Long Ave, Suite 200, Novato, CA 94945
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384 Bel Marin Keys Blvd, Ste 100, Novato, CA 94949
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371 Bel Marin Keys Blvd, #220, Novato, CA 94949
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Learn about insurance coverage options specific to Novato residents.
Complete 2025 guide to insurance in Novato, California. Updated auto requirements, wildfire home insurance challenges, and local coverage options.
Home InsuranceNovato home insurance costs $2,658-$6,000 yearly. Learn about wildfire/earthquake coverage, FAIR Plan options, and grants up to $2,500 for fire mitigation.
Car InsuranceNovato auto insurance averages $159/month. Learn about California's new 30/60/15 minimums, Highway 101 risks, and how to get the right coverage in 2025.
As of January 1, 2025, California requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. These new limits apply statewide, including Novato, and represent the first increase since 1967. Your policy will automatically update to these minimums when it renews.
Parts of Novato, specifically areas west of Highway 101 near Ignacio, have been designated as 'very high' wildfire risk zones by CAL FIRE in their 2025 Fire Hazard Severity Zone maps. Even areas not in the highest risk zones should take wildfire seriously, as all of Marin County faces elevated wildfire exposure compared to much of the state.
Home insurance costs in Marin County are driven primarily by wildfire risk. Between 2015 and 2024, Marin County had nearly 50,000 policy non-renewals as insurers withdrew from high-risk areas. Statewide, California home insurance rates are projected to increase 21% in 2025 to an average of $2,930 annually, with wildfire-prone areas like Marin seeing particularly steep increases.
Yes. California now requires insurers to consider wildfire risk-reduction efforts when pricing policies. Improvements like ember-resistant vents, defensible space, and Class A fire-rated roofs may qualify for discounts. While many insurers haven't fully implemented individual property assessments yet, this is changing. Marin Wildfire also offers grants up to $2,500 to help fund these improvements.
Start shopping at least 90 days before your current policy expires. Work with local Novato insurance agencies that have relationships with multiple carriers and understand the market. If traditional insurers won't cover you, California's FAIR Plan serves as a last-resort option, though it's more expensive and offers more limited coverage than standard policies.
While California's minimum is $30,000/$60,000/$15,000, most experts recommend at least $100,000/$300,000 in bodily injury coverage. Medical costs and vehicle values in the Bay Area are high, and one serious accident can easily exceed the state minimums. Adding comprehensive and collision coverage protects your own vehicle, and umbrella insurance provides extra liability protection for significant assets.
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