Casablanca Insurance
313 S Brand Blvd, San Fernando, CA 91340
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313 S Brand Blvd, San Fernando, CA 91340
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15455 San Fernando Mission Blvd, Suite 208, San Fernando, CA 91345
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Mission Blvd, Suite 208, San Fernando, CA 91345
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804 Pico St, San Fernando, CA 91340
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513 N Maclay Ave, San Fernando, CA 91340
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1161 N Maclay Ave, Ste C, San Fernando, CA 91340
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1120 Pico St, San Fernando, CA 91340
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411 N Maclay Ave, San Fernando, CA 91340
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Learn about insurance coverage options specific to San Fernando residents.
San Fernando home insurance averages $1,570/year. Learn about earthquake coverage, costs for older homes, and essential protection for Valley homeowners.
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No, standard homeowners insurance policies in California explicitly exclude earthquake damage. You need to purchase a separate earthquake insurance policy through the California Earthquake Authority (CEA) or a private insurer. These policies typically cost $1,250 to $2,750 annually and come with high deductibles of 10-20% of your dwelling coverage.
Los Angeles County homeowners pay an average of $1,570 per year for standard home insurance coverage, which serves as a baseline for San Fernando. However, your actual premium will vary based on your home's age, condition, coverage limits, and claims history. Older homes or those with outdated systems may pay more, while homes with recent updates and security features typically pay less.
Yes, updating electrical systems, plumbing, and roofing in older homes can significantly reduce insurance premiums. Insurers view these updates as reducing risk, which translates to lower rates. Additionally, homes with seismic retrofits qualify for up to 25% discounts on earthquake insurance through the CEA, making safety improvements a worthwhile investment.
A seismic retrofit reinforces your home's foundation and structural elements to better withstand earthquake forces. For San Fernando's older homes built before modern earthquake codes, retrofits typically include bolting the foundation and bracing cripple walls. While not legally required, retrofits cost $3,000 to $7,000 and qualify you for substantial earthquake insurance discounts while genuinely protecting your home.
Earthquake insurance deductibles typically range from 10-20% of your dwelling coverage because the potential damage from major earthquakes is catastrophic and widespread. This high deductible structure keeps premiums more affordable while still providing protection against total loss. For a $500,000 home with a 15% deductible, you'd pay the first $75,000 of damage, with insurance covering costs beyond that.
It depends on the type and condition of the wiring. Some insurers will not cover homes with knob-and-tube wiring or certain older electrical panels due to fire risk. Others may offer coverage with higher premiums or require you to update the system within a specified timeframe. You'll need to disclose your electrical system details when applying for coverage and may need an inspection.
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