California Firearm Insurance
490 Merchant St, Suite 201, Vacaville, CA 95688
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Vacaville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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490 Merchant St, Suite 201, Vacaville, CA 95688
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371 Merchant St, Vacaville, CA 95688
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490 Merchant St, Suite 202, Vacaville, CA 95688
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91 Cernon St, Ste A, Vacaville, CA 95688
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1010 Vaquero Circle, Suite 1171, Vacaville, CA 95688
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Learn about insurance coverage options specific to Vacaville residents.
Complete Vacaville insurance guide: auto rates 24% below state average, home insurance averaging $946/year, earthquake & flood coverage, plus top local agents.
Home InsuranceVacaville home insurance guide covering earthquake risks, wildfire zones, and coverage options. Learn about CEA policies, costs, and protection for your home.
Car InsuranceVacaville drivers pay $147/mo on average for auto insurance. Learn about CA's new 30/60/15 minimums, I-80/I-505 risks, and how to save on coverage.
Vacaville drivers typically pay around $1,600 per year for auto insurance, which is about 24% below California's state average of $2,108 annually. Your actual rate depends on your driving record, age, vehicle type, coverage levels, and the carrier you choose. The new 2025 minimum liability requirements may increase premiums for drivers with minimum coverage by up to 54%.
While Vacaville isn't directly on a major fault line, Solano County does face earthquake risk from nearby Bay Area faults. Standard homeowners insurance doesn't cover earthquake damage, so you'll need a separate policy. Earthquake insurance typically costs $800-$2,000 annually but comes with high deductibles of 15-25% of your home's value. Whether you need it depends on your risk tolerance and financial ability to rebuild without insurance.
Most Vacaville homeowners pay around $946 per year (about $79 per month) for a standard HO-3 policy, though rates range from $524 to $1,246 depending on your home's characteristics. This is below California's state average of $1,324 annually. Factors affecting your rate include your home's age, roof condition, square footage, and proximity to fire stations.
Yes, standard homeowners insurance policies in California typically cover wildfire damage to your home and belongings. However, coverage doesn't include damage from floods, earthquakes, or landslides that might occur after a fire. Make sure your policy includes adequate dwelling coverage and Additional Living Expenses to cover temporary housing if you're evacuated during a wildfire.
Independent agents can be valuable because they represent multiple insurance carriers (often 10-40 companies) rather than just one. This allows them to shop your coverage and find the best rate and coverage combination for your specific needs. Vacaville has several well-established independent agencies with local expertise in Solano County risks and California insurance regulations.
As of January 1, 2025, California requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. These limits doubled from previous requirements. While this is the legal minimum, most insurance experts recommend higher limits—especially given Vacaville's median household income and the cost of medical care and vehicle repairs in California.
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