Aguilar Insurance Services Corp.
12510 Westminster Ave, Santa Ana, CA 92706
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12510 Westminster Ave, Santa Ana, CA 92706
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1435 W 1st Street, #202, Santa Ana, CA 92703
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302 N Tustin Ave, Ste 201, Santa Ana, CA 92705
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2107 N. Broadway, Suite 108, Santa Ana, CA 92706
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2110 S Bristol St, Santa Ana, CA 92704
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1820 E 1st St, Ste 500, Santa Ana, CA 92705
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120 S Harbor Blvd, Ste G, Santa Ana, CA 92704
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120 S. Harbor Blvd., Ste. G, Santa Ana, CA 92704
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601 N Parkcenter Dr, Suite 104, Santa Ana, CA 92705
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1651 E Edinger Ave, #107, Santa Ana, CA 92705
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Learn about insurance coverage options specific to Santa Ana residents.
Navigate Santa Ana home insurance with expert guidance on earthquake coverage, historic home protection, and finding affordable rates in Orange County's market.
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Yes, earthquake insurance is essential for Santa Ana homeowners. The city sits near several active fault lines including the Newport-Inglewood and Whittier faults, putting it in a moderate-to-high earthquake risk zone. Standard homeowners insurance doesn't cover earthquake damage at all, so without a separate earthquake policy, you'd be entirely responsible for repairs after a seismic event. Given that your home is likely your largest investment, earthquake coverage through the California Earthquake Authority or a private insurer is critical protection.
Home insurance costs in Santa Ana vary significantly based on your home's age, construction type, coverage limits, and chosen deductibles, but expect annual premiums between $1,400 and $2,500 for a standard HO-3 policy. Earthquake insurance adds another $800 to $2,500 or more annually depending on your coverage choices and home characteristics. Older homes, especially those lacking seismic retrofitting or with outdated systems, typically face higher premiums than newer construction. Shopping multiple insurers is essential as quotes can vary by hundreds or thousands of dollars for identical coverage.
Historic homes in areas like Floral Park typically do cost more to insure due to several factors: outdated electrical and plumbing systems, lack of earthquake retrofitting, and potentially higher replacement costs for original architectural features. However, you can reduce premiums by documenting upgrades like new electrical panels, updated plumbing, or seismic retrofitting. Some insurers specialize in historic properties and may offer better rates or specialized coverage options that account for your home's unique value and replacement needs.
The California Earthquake Authority (CEA) typically offers more affordable premiums but comes with a standard 15% deductible based on your dwelling coverage limit, making it best for catastrophic coverage. Private earthquake insurers often provide lower deductibles (5-10%) and more flexible coverage options, but at higher premiums. CEA policies have standardized coverage terms, while private policies vary by carrier and can be customized. Compare both options to find the right balance of coverage, deductible, and cost for your situation.
Shop multiple insurers first—rates vary dramatically between carriers for identical coverage. Bundle your home and auto insurance for multi-policy discounts, increase your deductible to a level you can afford, and ask about discounts for security systems, being claims-free, or having a newer roof. If you have an older home, investing in seismic retrofitting, electrical panel upgrades, or plumbing improvements can significantly reduce premiums while making your home safer. Maintain good credit and review your policy annually to ensure you're not paying for coverage you don't need.
Most Santa Ana homes don't require flood insurance as the city isn't in a high-risk flood zone, but it's worth checking your specific property's flood risk through FEMA's flood map service. If you're near the Santa Ana River or in a low-lying area, flood insurance through the National Flood Insurance Program (NFIP) might be prudent and is relatively affordable for low-to-moderate risk zones. Remember that standard homeowners insurance doesn't cover flood damage, so if there's any flood risk, a separate policy is the only way to protect yourself.
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