Hope Rx And Insurance Sales
500 West Bonita Avenue, Ste. 23, San Dimas, CA 91773
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San Dimas households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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500 West Bonita Avenue, Ste. 23, San Dimas, CA 91773
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500 West Bonita St, Ste 23, San Dimas, CA 91773
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303 N San Dimas Avenue, San Dimas, CA 91773
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458 W. Arrow Hwy, Ste C, San Dimas, CA 91773
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458 W Arrow Hwy, #C, San Dimas, CA 91773
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Learn about insurance coverage options specific to San Dimas residents.
Complete insurance guide for San Dimas covering California's 2025 auto requirements, home insurance costs in LA County, and local agents.
Home InsuranceEssential home insurance guide for San Dimas covering earthquake risk, fire hazards, and equestrian properties. Get the coverage you need for foothill living.
California now requires $30,000 per person and $60,000 per accident for bodily injury liability, plus $15,000 for property damage (30/60/15 coverage). These minimums doubled on January 1, 2025, and apply automatically when your policy renews. While these are the legal minimums, many experts recommend higher limits to protect your assets.
Home insurance in San Dimas typically costs between $900 and $1,500 per year, though rates vary based on your home's value, age, and location. Los Angeles County rates are about 21% higher than the California average due to wildfire risk. Homes near the foothills may face even higher premiums.
No, standard homeowners insurance policies in California do not cover earthquake damage. You need a separate earthquake policy through the California Earthquake Authority or a private insurer. Given San Dimas's location near the San Gabriel fault zone, this coverage is worth considering to protect your home and belongings from quake damage.
The FAIR Plan is a state-backed insurance program that provides basic fire coverage when traditional insurers won't cover your home. It's a last-resort option that's more expensive and less comprehensive than standard policies. Many homeowners use it for fire coverage and buy a separate policy for other perils like theft and liability.
Independent agents can compare rates from multiple insurers, which is helpful if you're shopping for the best price or having trouble finding coverage. Direct agents work for one company but may offer better service for that specific brand. In San Dimas's challenging insurance market, an independent agent's ability to shop multiple carriers can be valuable.
Umbrella insurance provides extra liability coverage beyond your auto and home policies, typically starting at $1 million. If you own a home or have significant assets, it protects you from lawsuits that exceed your primary policy limits. For a few hundred dollars per year, it's affordable protection for middle-class San Dimas residents with assets to protect.
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