Admaric Insurance Agency Inc
27475 Ynez Road, Suite 205, Temecula, CA 92591
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Temecula households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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27475 Ynez Road, Suite 205, Temecula, CA 92591
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32605 Temecula Parkway, Suite 201, Temecula, CA 92592
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27625 Jefferson Avenue, Suite 100, Temecula, CA 92590
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27570 Commerce Center Dr, Ste 219, Temecula, CA 92590
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28936 Old Town Front Street, Suite 103, Temecula, CA 92590
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41715 Enterprise Cir N, STE 201, Temecula, CA 92590
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32605 Temecula Parkway, Suite 102, Temecula, CA 92592
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41661 Enterprise Cir N, STE 215, Temecula, CA 92590
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41687 Temeku Drive, Suite 110, Temecula, CA 92592
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28751 Rancho California Road, Suite 100, Temecula, CA 92590
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Learn about insurance coverage options specific to Temecula residents.
Temecula home insurance costs $1,087-$1,478/year but rising fast. Learn about wildfire risk, earthquake coverage, Santa Ana winds & FAIR Plan options.
Car InsuranceTemecula auto insurance averages $180/month. Compare rates, understand California's new 30/60/15 minimums, and find coverage for I-15 commutes.
General Insurance EducationComplete insurance guide for Temecula residents. Learn about CA's new auto requirements, wildfire coverage, wine country considerations, and how to save.
Car InsuranceTemecula drivers pay $154-$196/month for car insurance. Learn how I-15 commuting, your ZIP code, and wine country traffic affect your rates in 2025.
Temecula home insurance is expensive because the area faces elevated wildfire risk, earthquake exposure, and Santa Ana wind damage. The Inland Empire is rated among the highest-risk regions in the country for wildfires. Major insurers have implemented 30-50% rate increases in 2024-2025, and new regulations allow insurers to pass reinsurance costs to policyholders for the first time.
If you can't find coverage through traditional insurers, the California FAIR Plan is your backup option. It's the state's insurer of last resort and is available to everyone, though it has some coverage limitations. More than 610,000 California homes were on the FAIR Plan as of mid-2025. You can supplement FAIR Plan coverage with a separate policy for additional protection.
No, standard homeowners insurance does not cover earthquake damage. You need a separate earthquake insurance policy. Earthquake insurance in California typically costs $1,200 to $3,000 annually for $500,000 in coverage, though your actual rate depends on your home's age, construction type, and soil conditions. The California Earthquake Authority offers a premium calculator for personalized estimates.
Yes, most standard homeowners insurance policies cover wind damage from Santa Ana winds, including roof damage, broken windows, and damage from fallen trees. However, you should verify that windstorm damage is specifically included in your policy. Don't assume coverage—read your policy documents or ask your agent directly to confirm.
Your coverage should equal your home's full replacement cost, not its market value. With building materials and labor costs up 30-50% since 2020, many homeowners are underinsured. Review your policy annually and adjust coverage limits to reflect current construction costs. If you're in an HOA, coordinate with your association's master policy to avoid gaps or duplicate coverage.
Yes, HOAs in master-planned communities like Wolf Creek, Morgan Hill, or Roripaugh Ranch often have specific insurance requirements. The HOA's master policy typically covers common areas and exterior structures, while you're responsible for everything inside your unit and personal liability. Ask your HOA for their master policy details and share them with your insurance agent to ensure proper coverage coordination.
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