Cal Commercial Insurance
30685 Avenida de la Playa, #266, San Clemente, CA 92672
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30685 Avenida de la Playa, #266, San Clemente, CA 92672
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806 E Avenida Pico Ste I-266, San Clemente, CA 92673
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501 N El Camino Real, UNIT 204, San Clemente, CA 92672
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1908 S. El Camino Real, San Clemente, CA 92672
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931 Calle Negocio, Suite J, San Clemente, CA 92673
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629 Camino De Los Mares, STE 306, San Clemente, CA 92673
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940 Calle Negocio, Suite 170, San Clemente, CA 92673
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225 West Escalones, San Clemente, CA 92672
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13 Calle Sonador, San Clemente, CA 92673
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122 Avenida Del Mar, Ste C, San Clemente, CA 92672
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Learn about insurance coverage options specific to San Clemente residents.
San Clemente homeowners face earthquake, bluff erosion, and salt air risks. Learn what's covered, earthquake insurance options, and how to protect your coastal home.
Car InsuranceGet auto insurance in San Clemente with the right coverage for I-5 and PCH driving. Compare rates from 11 local agencies plus military discounts.
Car InsuranceSan Clemente drivers pay $240-320/month for car insurance. Learn why coastal OC rates run high and how to save 20-40% on coverage in 2025.
General Insurance EducationComplete insurance overview for San Clemente covering auto, home, wildfire, flood and earthquake coverage. Navigate CA's changing insurance market.
No, standard homeowners insurance policies in California exclude earthquake damage. You need a separate earthquake policy, typically through the California Earthquake Authority (CEA). These policies come with deductibles of 5-25% of your coverage limit and cover dwelling damage and personal property, but usually exclude land damage from erosion or sinkholes.
While California's average home insurance cost is $1,148-$1,383 per year, San Clemente homeowners typically pay more due to coastal location and elevated risks. Your actual premium depends on your home's value, age, construction type, proximity to the coast, and coverage limits. Orange County properties near Anaheim average around $1,181-$1,260 annually, though coastal homes often exceed this.
No, standard homeowners policies exclude earth movement, which includes landslides and coastal erosion. Earthquake insurance also typically won't cover gradual erosion. Some specialty insurers offer limited landslide or earth movement coverage, but it's expensive, difficult to obtain, and may require engineering reports and property mitigation before approval.
Standard policies exclude gradual deterioration from salt air exposure, considering it normal wear and tear that requires regular maintenance. However, if salt corrosion causes a sudden covered event—like corroded pipes bursting—the resulting damage might be covered even though the underlying corrosion isn't. Prevention through corrosion-resistant materials and regular maintenance is your best protection.
San Clemente's signature Spanish Colonial Revival homes feature tile roofs, stucco exteriors, arches, and specialty details that cost more to rebuild than standard construction. You need adequate replacement cost coverage that accounts for these materials and the skilled craftsmanship required. Consider guaranteed or extended replacement cost endorsements to ensure you can fully rebuild if disaster strikes.
For San Clemente homeowners, earthquake insurance deserves serious consideration despite 5-25% deductibles. Without it, you pay all earthquake repairs out of pocket. With a 15% deductible on $800,000 coverage, you'd pay $120,000 after a major quake but insurance covers anything beyond that. Given the area's seismic activity, the financial protection often outweighs the high deductible and premium costs.
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