Goodwin Insurance
1200 California St, Suite 110, Redlands, CA 92374
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1200 California St, Suite 110, Redlands, CA 92374
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1255 W. Colton Ave., Suite 571, Redlands, CA 92374
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1235 Indiana Court, Suite 110, Redlands, CA 92374
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1423 W State St, Ste A, Redlands, CA 92373
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Learn about insurance coverage options specific to Redlands residents.
Redlands home insurance costs $1,100-$1,700/year. Learn about wildfire zones, earthquake coverage, FAIR Plan options, and protecting historic homes.
Car InsuranceRedlands drivers pay $1,779/year for car insurance—$108 less than CA average. Find the cheapest rates, wildfire coverage tips, and discounts that save hundreds.
Car InsuranceRedlands drivers pay $1,779/year on average—$200 less than CA's average. Learn about new 30/60/15 minimums, I-10 corridor factors, and how to save.
General Insurance EducationNavigate Redlands insurance with confidence. Understand California's 30/60/15 auto requirements, wildfire zones, earthquake coverage, and historic home protection.
Yes, standard homeowners insurance policies in California, including Redlands, cover wildfire damage to your home and belongings. However, if you live in a Very High Fire Hazard Severity Zone, traditional insurers may decline to offer you coverage, forcing you to use the California FAIR Plan. The FAIR Plan covers fire damage but lacks liability, theft, and other protections you'll need to purchase separately.
Earthquake insurance premiums vary widely based on your home's age, proximity to fault lines, construction type, and the deductible you choose. Deductibles typically range from 10% to 25% of your home's value, meaning you'll pay the first $80,000 to $200,000 in damage on an $800,000 home. Retrofitting your home with seismic upgrades can lower your premium.
The California FAIR Plan is a last-resort insurance program for homeowners who can't get fire coverage through traditional insurers, typically because they live in high wildfire risk areas. It provides basic fire coverage that satisfies mortgage requirements but doesn't cover liability, theft, vandalism, or other standard protections. You'll need to purchase a separate difference-in-conditions policy to fill those gaps.
While you don't legally need special insurance, standard homeowners policies often undervalue historic homes. Victorian-era properties require period-specific materials and specialized craftsmanship that cost significantly more to replace. You should request guaranteed replacement cost coverage or an extended replacement cost endorsement, and consider an independent appraisal to ensure your coverage limits accurately reflect rebuilding costs.
Create defensible space by clearing brush within 100 feet of your home, install fire-resistant roofing and ember-resistant vents, upgrade to dual-pane windows, and consider a seismic retrofit for older homes. These improvements qualify you for discounts with both traditional insurers and the FAIR Plan. Bundling your home and auto insurance and increasing your deductible can also reduce your premium.
You can check your property's fire hazard zone designation using the interactive map on the City of Redlands Fire Department website. As of 2024, one-third of Redlands falls within the Very High Fire Hazard Severity Zone, with significant portions of north Redlands and areas east of Interstate 210 classified as Moderate to High fire hazard zones.
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