A. Cordova Insurance Services Inc.
604 E Alisal St, Salinas, CA 93905
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604 E Alisal St, Salinas, CA 93905
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975 W Alisal St, STE I, Salinas, CA 93901
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454 E Alisal St, Ste C, Salinas, CA 93905
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600 E Market St, #105, Salinas, CA 93905
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Learn about insurance coverage options specific to Salinas residents.
Complete insurance guide for Salinas, California covering 2025 auto requirements, homeowners costs, wildfire risks, and finding local agents in Monterey County.
Car InsuranceSalinas auto insurance guide: California's new 30/60/15 minimums, US-101 safety risks, and how to find affordable coverage in the Salad Bowl of the World.
California now requires 30/60/15 liability coverage, effective January 1, 2025. This means $30,000 per person for bodily injury, $60,000 per accident for multiple people, and $15,000 for property damage. These limits doubled from the previous 15/30/5 requirements that had been in place since 1967. Your policy automatically adjusted to the new minimums upon renewal in 2025.
Salinas drivers pay around $159 per month on average for car insurance, which is slightly below the national average of $170 per month. Full coverage policies start as low as $105 per month from carriers like CSAA. Your actual rate depends on your driving record, age, vehicle type, coverage levels, and chosen insurance company, so it's worth comparing quotes from multiple insurers.
No, standard homeowners policies in Salinas do not cover earthquake or flood damage. You'll need separate earthquake insurance through the California Earthquake Authority (with deductibles typically 10-20% of your home's value) and flood coverage through FEMA's National Flood Insurance Program. Flood insurance typically takes 30 days to take effect, so purchase it well before storm season.
Increased wildfire risk has led insurers to issue non-renewal notices or significantly raise premiums in parts of Monterey County, including areas of Salinas with dense tree cover. Some homeowners have been pushed to California's FAIR Plan, which provides only basic fire coverage with higher premiums and lower limits. The market is challenging, but not all Salinas properties are affected—risk varies by specific location and property characteristics.
Salinas faces several natural disaster risks including wildfires in areas with dense vegetation, earthquakes (as all of California has seismic risk), flooding during Pacific storms (November-February), and post-wildfire mudslides and debris flows that can persist for up to five years after a fire. Standard homeowners insurance doesn't cover earthquakes, floods, or mudslides unless directly caused by a covered peril like wildfire.
Yes, renters insurance is essential even though your landlord has coverage on the building. Your landlord's policy doesn't protect your personal belongings or provide liability coverage if someone gets injured in your unit or if you accidentally cause damage to the property. Renters insurance in Salinas typically costs $15-30 per month and covers your belongings, personal liability, and additional living expenses if your rental becomes uninhabitable.
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