Anderson Services And Insurance Solutions, LLC.
18 W 11th St, Tracy, CA 95376
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18 W 11th St, Tracy, CA 95376
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912 W 11th Street, Suite 105, Tracy, CA 95376
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2219 N Tracy Blvd, Tracy, CA 95376
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1137 Adam St, Suite B, Tracy, CA 95376
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902 N Central Ave, Suite 312, Tracy, CA 95376
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121 E 11th St, Tracy, CA 95376
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1015 N Central Ave, Tracy, CA 95376
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894 W 11th St, Tracy, CA 95376
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Learn about insurance coverage options specific to Tracy residents.
Tracy home insurance guide: earthquake coverage, new construction discounts, rates for master-planned communities. Save 15-25% with expert tips.
Car InsuranceTracy auto insurance averages $156/month. Learn about California's new 30/60/15 minimums, at-fault system, I-580 commuter coverage, and how to save.
General Insurance EducationComplete insurance guide for Tracy, CA residents. Compare auto, home, and life insurance rates. Learn about CA's 2025 coverage requirements.
Tracy has moderate earthquake risk compared to coastal Bay Area cities, and only about 3% of San Joaquin County homeowners carry earthquake coverage. The main factors against it are high deductibles (10-25% of your home's value) and annual premiums of $800-$1,800. If you have a newer home built to modern seismic codes and can afford to self-insure through an emergency fund, many Tracy residents skip it. However, if you have significant equity or simply want complete peace of mind, the coverage is available and more affordable here than in San Francisco or Oakland.
Home insurance costs in Tracy vary based on your home's age, size, and features, but newer homes in master-planned communities like Tracy Hills often qualify for better rates due to modern construction and fire-resistant materials. Expect to pay $1,200-$2,000 annually for a typical single-family home, though bundling with auto insurance can save you 15-25%. New construction discounts, security systems, and claims-free history can reduce premiums further.
Market value is what you'd sell your home for today, while replacement cost is what it would actually cost to rebuild from scratch. These numbers can differ significantly, your $550,000 Tracy home might cost $650,000 to rebuild due to construction costs, materials, and labor. Always insure for replacement cost, not market value, and consider extended replacement cost coverage that pays 125-150% of your dwelling limit if rebuilding exceeds estimates.
No, standard homeowners insurance does not cover flooding. However, San Joaquin County hasn't experienced major flooding since the 1950s, making flood risk relatively low in Tracy. If your home is in a FEMA-designated flood zone or you want extra protection, you can purchase separate flood insurance through the National Flood Insurance Program or private insurers for $400-700 annually for most Tracy properties.
Absolutely. Since most Tracy residents commute to the Bay Area (average commute time is 43 minutes), you're already shopping for auto insurance. Bundling both policies with the same carrier typically saves 15-25% on both, often $400-600 annually for the average household. It also simplifies billing and claims if you ever need to file.
Common discounts include multi-policy bundling (15-25%), new home construction (10-20%), fire-resistant roofing, monitored security systems (5-15%), claims-free history (10-15%), and higher deductibles (15-20% if you increase from $1,000 to $2,500). Many Tracy homes in newer developments already have fire-resistant materials and modern security features that qualify for multiple discounts simultaneously.
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