Century One Insurance
13223 Ventura Boulevard, #E, Studio City, CA 91604
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13223 Ventura Boulevard, #E, Studio City, CA 91604
View this agency's profile to learn more about their services.
13223 Ventura Blvd, Ste E, Studio City, CA 91604
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11026 Ventura Blvd, Suite 10, Studio City, CA 91604
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10700 Ventura Blvd, Suite C, Studio City, CA 91604
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Learn about insurance coverage options specific to Studio City residents.
Studio City insurance rates average $4,200/year for auto and $1,604 for home coverage. Learn how 2025 rate increases affect you and find local agents.
Home InsuranceStudio City home insurance costs $1,800-$6,000+ yearly. Learn about earthquake coverage, wildfire risks, FAIR Plan options, and fire hardening discounts.
Car InsuranceStudio City auto insurance requirements, rates, and coverage options for 2026. Learn about California's 30/60/15 minimums and why you need more at this busy junction.
Studio City drivers pay roughly $25 more monthly than the California average primarily due to urban density factors. Heavy traffic on Ventura Boulevard and the 101 freeway increases accident risk, while the neighborhood's proximity to Hollywood and higher concentration of valuable vehicles contribute to elevated theft rates. Los Angeles County drivers in general pay 36% more than the state average, and Studio City sits firmly in that higher-cost zone.
In January 2025, California doubled its minimum liability coverage requirements from 15/30/5 to 30/60/15. This means you now need $30,000 per person and $60,000 per accident for bodily injury liability, plus $15,000 for property damage. Drivers carrying minimum coverage saw rate increases of up to 54%, and anyone with the old limits is technically uninsured under current law.
While Studio City isn't in a high fire risk zone, the devastating January 2025 wildfires in Los Angeles County are driving rate increases across the entire region. State Farm received preliminary approval for a 22% rate hike, and statewide projections show a 21% increase throughout 2025. Insurance companies spread catastrophic losses across their entire book of business, so all Southern California homeowners are seeing higher premiums regardless of their specific property's fire risk.
Yes, and here's why: your landlord's insurance covers the building structure but none of your personal belongings or liability exposure. Renters insurance costs $15-30 monthly and provides personal property coverage, liability protection if someone gets injured in your unit, and additional living expenses if you need temporary housing. The liability coverage is especially valuable in a neighborhood where the median household income exceeds $119,000—you're dealing with neighbors who can afford to pursue claims aggressively.
A local agent offers significant advantages in California's current insurance market. They understand Studio City-specific factors like parking risks on Ventura Boulevard and can navigate the increasingly complex situation where major carriers are non-renewing policies or stopping new business in California. If you receive a non-renewal notice, a local agent with multiple carrier relationships can find replacement coverage quickly—something that's difficult to accomplish solo in a hardening market.
Studio City homeowners currently pay approximately $1,570 to $1,604 annually for homeowners insurance, which translates to about $134 monthly. However, rates are projected to increase by 21% throughout 2025 following the January wildfires. Your actual premium depends on factors like your home's age, construction type, coverage limits, and deductible choices, but most Studio City homeowners should budget for rates in the $1,800-$2,000 range after the 2025 increases take effect.
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