Creations Financial And Insurance Services, Inc.
813 W Oak Ave, Ste B, Visalia, CA 93291
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813 W Oak Ave, Ste B, Visalia, CA 93291
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525 W Main St, Ste 130, Visalia, CA 93291
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1932 W Sunnyside Ave, Visalia, CA 93277
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2045 S Court St, Ste A, Visalia, CA 93277
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Learn about insurance coverage options specific to Visalia residents.
Get the complete guide to auto, home, and flood insurance in Visalia, California. Learn about 2025 requirements, costs, and local agents in Tulare County.
Home InsuranceVisalia home insurance costs $1,400-$1,800/year. Learn why 74% of homes face high fire risk, what coverage you need, and how to save on premiums.
Car InsuranceCalifornia raised minimum auto insurance to 30/60/15 in 2025. Learn what Visalia drivers need to know about rates, CA-99/CA-198 hazards, and choosing coverage.
California's minimum liability requirements increased in 2025 to $30,000 per person for bodily injury, $60,000 per accident for total bodily injury, and $15,000 for property damage. These new limits took effect when your policy renewed after January 1, 2025, replacing the previous limits of $15,000/$30,000/$5,000 that had been unchanged since 1967.
The average homeowners insurance cost in Visalia is approximately $1,300 per year, or about $108 per month. This is relatively affordable compared to other California cities, particularly those in high wildfire risk areas. Your actual cost will vary based on your home's value, age, construction type, and the specific coverage limits and deductibles you choose.
While not required by law, flood insurance is worth considering in Visalia. Tulare County was included in a Presidential Major Disaster Declaration in 2023 due to severe storms and flooding. Standard homeowners policies don't cover flood damage, but because Tulare County participates in the National Flood Insurance Program (NFIP), you can purchase flood coverage through local insurance agents at standardized rates.
Yes, most insurance experts recommend carrying higher limits than California's minimum requirements. A serious injury can easily exceed $30,000 in medical costs, and totaling a newer vehicle often costs more than the $15,000 property damage minimum. Coverage of $100,000/$300,000 is commonly recommended and typically costs only $20-30 more per month than minimum coverage.
Renters insurance is essential for protecting your belongings and providing liability coverage. Your landlord's insurance covers the building structure but not your personal property. For typically $15-30 per month, renters insurance protects your possessions from theft, fire, and other covered events, and provides liability coverage if someone is injured in your rental unit.
Shop around—comparing quotes from multiple insurance agents can save you up to $239 annually on home insurance. Ask about bundling your auto and home policies for multi-policy discounts, maintaining a good driving record, installing home security systems, and being claims-free. Local agents in Visalia can also identify discounts specific to the Central Valley market that you might not know about.
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