Cheda Insurance Agency
1345 Redwood Way, Petaluma, CA 94954
View this agency's profile to learn more about their services.
Loading...
City directory
Petaluma 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.
1345 Redwood Way, Petaluma, CA 94954
View this agency's profile to learn more about their services.
1318 Redwood Way, STE 110, Petaluma, CA 94954
View this agency's profile to learn more about their services.
1129 Industrial Ave, Suite 102, Petaluma, CA 94952
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Petaluma residents.
Complete 2026 insurance guide for Petaluma covering new CA auto requirements, wildfire home insurance, local agents & coverage tips for Sonoma County.
Home InsuranceGet the facts on Petaluma home insurance costs, wildfire and earthquake risk, and how to find affordable coverage in Sonoma County's changing market.
Car InsurancePetaluma drivers pay $1,660/year for auto insurance. Learn about CA's new 30/60/15 requirements, US-101 accident hotspots, and how to save $70+/month.
California requires at least $30,000 in bodily injury liability per person, $60,000 per accident for bodily injury, and $15,000 for property damage. These limits took effect January 1, 2025, replacing the old $15,000/$30,000/$5,000 minimums that had been in place since 1967. While these are the legal minimums, most financial advisors recommend carrying higher limits to protect your assets.
Petaluma is located in Sonoma County, a high-risk wildfire area, which has led insurers to significantly increase home insurance rates—sometimes by 40-50%. California's new Net Cost of Reinsurance rule allows insurers to pass reinsurance expenses to policyholders. However, taking wildfire mitigation steps like installing ember-resistant vents, maintaining defensible space, and upgrading to Class A roofing can earn you 5-20% discounts under California's Safer from Wildfires framework.
The California FAIR Plan is a last-resort insurance option for homeowners who can't get coverage in the standard market due to high wildfire risk. It provides fire coverage when traditional insurers won't write a policy, though rates are typically higher than standard market policies. You'll need a separate policy for other perils like theft or liability, but the FAIR Plan ensures you're not left completely uninsured if you're in a high-risk area.
While not legally required, renters insurance is highly recommended and costs only $15-30 per month. Your landlord's insurance covers the building but not your personal belongings, so you'd be responsible for replacing everything if there's a fire, theft, or water damage. More importantly, renters insurance includes liability coverage that protects you if someone is injured in your rental or if you accidentally damage the property.
With median home prices ranging from $825,000 to over $1 million in Petaluma, you need enough dwelling coverage to fully rebuild your home at current construction costs. Replacement cost often exceeds market value due to materials and labor expenses. Work with your insurance agent to get a replacement cost estimate based on your home's square footage, construction type, and features to ensure you're not underinsured.
Common discounts include multi-policy bundling (15-25% off when you combine auto and home), wildfire mitigation credits (5-20% for ember-resistant vents, defensible space, and Class A roofing), good driver discounts, safety feature credits on vehicles, and loyalty discounts for staying with the same insurer. Ask your agent about all available discounts, as they can significantly reduce your premiums without reducing coverage.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network