Compsure Insurance Solutions
26382 Via De Anza, San Juan Capistrano, CA 92675
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San Juan Capistrano households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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26382 Via De Anza, San Juan Capistrano, CA 92675
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33415 Paseo El Lazo, San Juan Capistrano, CA 92675
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32122 Camino Capistrano, Suite 210A, San Juan Capistrano, CA 92675
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27132-A Paseo Espada, Suite 421, San Juan Capistrano, CA 92675
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Learn about insurance coverage options specific to San Juan Capistrano residents.
Complete insurance guide for San Juan Capistrano covering 2025 auto requirements, home insurance costs, earthquake coverage, and local agents in Orange County.
Home InsuranceGet comprehensive home insurance for San Juan Capistrano. Earthquake, wildfire, and equestrian coverage explained. Compare rates and find the right policy.
Car InsuranceSan Juan Capistrano auto insurance guide: CA's new 30/60/15 minimums, at-fault system, I-5 risks, and Orange County rates. Get coverage that protects you.
As of January 1, 2025, California requires 30/60/15 coverage: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. These minimums doubled from the previous 15/30/5 requirements to keep pace with medical costs and vehicle values. These new limits remain in effect until 2035.
Homeowners insurance in San Juan Capistrano typically costs $554-$759 per year, or about $46-$63 per month. This is notably lower than California's statewide average of $1,543 annually. However, rates have been rising across California, with major insurers increasing premiums by 15-34% in 2024.
Standard homeowners policies don't cover earthquake damage, so you need a separate policy through the California Earthquake Authority. Given that San Juan Capistrano is near several active faults including the San Jacinto and Elsinore faults, earthquake insurance is strongly recommended. Policies typically cost $800-$1,500 per year with deductibles ranging from 5% to 25%.
Yes, standard homeowners policies cover wildfire damage, including fire, smoke, and related losses. However, if you're in a high-risk area and can't obtain standard coverage, you may need the California FAIR Plan plus a DIC policy. New 2025 regulations require insurers to increase coverage in high-risk wildfire areas by 5% every two years.
Shop around and compare quotes from multiple carriers, as this can save you several hundred dollars annually. Maintain continuous coverage and a clean driving record, as these significantly impact your rates. Consider bundling your auto and home policies with the same insurer for additional discounts. Root Insurance Company and other carriers often offer competitive rates in the area.
The California FAIR Plan is a last-resort insurance option for homeowners who can't obtain coverage through standard insurers, often due to wildfire risk. It covers fire, wildfire, smoke, wind, explosion, vandalism, riot, hail, and vehicle or aircraft damage. You'll need a separate DIC (Difference in Conditions) policy to add liability and water damage coverage that the FAIR Plan doesn't include.
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