Inhouseautoinsurance
8111 Rosecrans Ave, suite I, Paramount, CA 90723
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8111 Rosecrans Ave, suite I, Paramount, CA 90723
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15717 Lakewood Blvd, #B, Paramount, CA 90723
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15717 Lakewood Blvd, Ste B, Paramount, CA 90723
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15526 Paramount Blvd, Suite F, Paramount, CA 90723
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Learn about insurance coverage options specific to Paramount residents.
Complete guide to insurance in Paramount, California. Learn about 2025 auto requirements, home coverage, renters policies & local rates in LA County.
Home InsuranceParamount homeowners pay $1,570-$1,604/year for home insurance. Learn about earthquake risks, rising rates, and essential coverage for your LA County home.
Car InsuranceGet the right auto insurance for Paramount, CA. Understand California's 15/30/5 minimums, at-fault rules, and how I-105/I-710 traffic affects your rates.
California now requires minimum auto insurance coverage of 30/60/15, which means $30,000 in bodily injury liability per person, $60,000 total per accident, and $15,000 in property damage liability. These limits increased from the previous 15/30/5 minimums on January 1, 2025, and will remain in effect until 2035 when they're scheduled to increase again.
Paramount drivers pay an average of about $62 per month for auto insurance, which is roughly $19 below the national average but about $6 more than the California average. Your actual rate depends on factors like your vehicle type, driving record, age, and coverage level, with costs ranging from $46 per month for trucks and vans to around $65 for cars.
Yes, renters insurance is essential even though it's not legally required. Your landlord's insurance only covers the building structure, not your personal belongings or your liability if someone gets injured in your rental. With Paramount's property crime rate 44% higher than the national average and renters insurance costing only $15-30 per month, it's one of the best insurance values available.
No, standard homeowners insurance policies in California do not include earthquake coverage. Since California faces significant seismic risk, you'll need to purchase a separate earthquake insurance policy or add an earthquake endorsement to your homeowners policy. This is an important consideration for Paramount homeowners given the state's earthquake exposure.
Paramount's crime rate is 44% higher than the national average, with property crime particularly elevated at 26.68 per 1,000 residents compared to the national rate of 19.53. Insurance companies factor these statistics into their pricing models, which means you might pay slightly higher premiums for both auto and homeowners insurance compared to safer neighboring communities. This makes adequate coverage even more important.
Replacement cost coverage is strongly recommended over actual cash value. Replacement cost pays to rebuild or replace items without deducting for depreciation, while actual cash value factors in age and wear. With Paramount's median home value at $636,557 and rebuilding costs potentially exceeding market value, replacement cost coverage ensures you can actually rebuild your home if disaster strikes, even though it costs slightly more upfront.
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