AUM Insurance
148 Best Ave, San Leandro, CA 94577
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148 Best Ave, San Leandro, CA 94577
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250 MacArthur Blvd, San Leandro, CA 94577
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1831 Marina Blvd, San Leandro, CA 94577
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151 Callan Ave, STE 206, San Leandro, CA 94577
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151 Callan Ave, Ste. 206, San Leandro, CA 94577
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250 Juana Avenue, Suite 201, San Leandro, CA 94577
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Learn about insurance coverage options specific to San Leandro residents.
Complete San Leandro insurance guide covering auto rates ($129/month avg), earthquake coverage costs, neighborhood factors, and local agents. Get 2025 rates.
Home InsuranceEssential home insurance guide for San Leandro, CA. Learn about earthquake coverage, flood zones, and protecting your East Bay property investment.
Car InsuranceSan Leandro drivers: California's new 30/60/15 minimums start at renewal. Learn rates, I-880/I-580 risks, and how to save on coverage in Alameda County.
No, earthquake insurance is not legally required in California, even in high-risk areas like San Leandro near the Hayward Fault. However, standard homeowners policies exclude earthquake damage entirely, so if a major earthquake damages your home, you'll pay for repairs out of pocket without separate earthquake coverage. Most local agents strongly recommend it despite the cost, which averages $1,200-$3,000 annually for typical homes.
San Leandro drivers pay approximately $129 per month on average, which is significantly lower than California's state average of $175 per month. This makes San Leandro more affordable than many other Bay Area cities for auto insurance. The lower rates are partly due to lower crime rates in some neighborhoods and demographic factors, though rates still vary based on your driving record, age, and coverage choices.
California doubled its minimum liability requirements in January 2025, increasing them from 15/30/5 to 30/60/15 coverage. This means you now need at least $30,000 per person for injuries, $60,000 per accident, and $15,000 for property damage. For drivers carrying minimum coverage, this change increased annual costs from around $670 to over $1,000—a 54% increase that appeared on renewal notices throughout 2025.
Yes, you should get renters insurance even if it's not required. Your landlord's insurance only covers the building structure, not your personal belongings or your liability for accidents. For just $15-$30 per month, you get coverage for theft, fire, water damage to your possessions, and—most importantly—liability protection if someone is injured in your rental or you accidentally damage the property or neighboring units.
Absolutely. Neighborhoods with lower crime rates like Marina Vista and Marina Faire (both with A+ crime grades) typically see lower insurance premiums than areas with higher vehicle theft or property crime. San Leandro's overall vehicle theft rate is higher than the national average at 1,475 per 100,000 residents, which affects auto insurance costs. Your home's location also impacts homeowners rates based on proximity to fire stations, age of homes in the area, and local risk factors.
Both options work, but local agents offer advantages for Bay Area-specific concerns. San Leandro's 6 local agencies understand regional risks like earthquake coverage, which carriers are still writing policies in California, and how local factors like BART access or neighborhood differences affect rates. They can also compare multiple carriers for you and explain complex California insurance regulations. However, if you have straightforward needs and prefer handling things online, direct-to-consumer insurers can offer competitive rates.
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