Mirtha Gomez Insurance Agency
5107 108th St, Corona, NY 11368
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5107 108th St, Corona, NY 11368
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Corona residents.
Corona drivers pay less than Orange County—around $155/month for full coverage. Learn how the 91 Freeway commute affects rates and how to save 15-25%.
No, earthquake insurance is not required in California. However, California law requires your homeowners insurance company to offer earthquake coverage to you in writing every two years, showing coverage limits, deductibles, and premiums. You have 30 days to accept the offer. Given Corona's seismic activity, many homeowners choose to add this coverage despite it not being mandatory.
The California FAIR Plan is a last-resort insurance option for homeowners who have been denied coverage by traditional insurers. It's a private association of California insurers that covers high-risk properties. The FAIR Plan covers only fire, smoke, and lightning damage, so you'll need a separate "difference in conditions" policy for other perils like theft, liability, and water damage. As of 2024, more than 407,000 California homeowners rely on the FAIR Plan.
Average home insurance in Corona and surrounding Riverside County ranges from $1,200 to $2,023 annually for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Homes in hillside areas with higher wildfire risk typically pay toward the higher end or above this range. Major insurers raised rates 15-34% in 2024, so expect premiums to be significantly higher than they were a few years ago.
Yes, standard homeowners insurance policies cover wildfire damage, including damage to your home and belongings from fire and smoke. California law also requires that homeowners and renters insurance cover fire damage caused by or following an earthquake, even without separate earthquake coverage. The challenge isn't coverage—it's finding an insurer willing to write a policy in high-risk areas.
Install fire-resistant features like Class A roofing and ember-resistant vents, maintain defensible space around your home, update older roofs and electrical systems, increase your deductible, bundle home and auto insurance with the same carrier, and improve home security with monitored alarm systems. Shopping with multiple insurers can also reveal significant price differences for identical coverage.
Parts of Corona face elevated wildfire risk. Approximately 3,000 structures are located in Very High Fire Hazard Severity Zones, with another 14,000 within half a mile of these zones. Hillside properties near the Santa Ana Mountains and homes in the Wildland-Urban Interface face the highest risk. The 2024 Eagle Fire burned 1,600 acres just south of Corona, damaging several homes and highlighting the ongoing threat.
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