HF Insurance - General
400 Rella Blvd, Unit 140, Montebello, NY 10901
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400 Rella Blvd, Unit 140, Montebello, NY 10901
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Montebello residents.
Essential guide to home insurance in Montebello, California. Learn about earthquake coverage, rates by home age, hillside risks, and how to protect your investment.
As of January 1, 2025, California requires drivers to carry at least $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage liability. These limits doubled from the previous minimums of $15,000/$30,000/$5,000. The new requirements take effect when your policy renews, so if your renewal date was before January 2025, you may still have the old limits until your next renewal.
No. Standard homeowners insurance policies in California do not cover earthquake damage, except for fire following an earthquake. You need a separate earthquake insurance policy, typically purchased through the California Earthquake Authority (CEA) via your homeowners insurance company. Despite California's high earthquake risk, only 10% of residents carry earthquake coverage.
Drivers in Los Angeles County pay an average of $4,201 per year for car insurance—about 36% higher than the California state average. Rates are elevated due to high traffic density, frequent accidents, and theft risk. The most affordable insurers in the area, like GEICO, offer rates around $2,960 annually, while others charge significantly more. Shopping around and bundling home and auto policies can save you 10-12%.
California homeowners typically pay between $1,248 and $2,744 per year for $500,000 in earthquake dwelling coverage, though your rate depends on factors like your home's age, construction type, foundation, proximity to fault lines, and soil type. CEA policies use percentage-based deductibles (typically 10-25% of dwelling coverage), meaning you're responsible for a substantial amount before coverage kicks in. Despite the cost, earthquake insurance is critical protection in seismically active areas like Montebello.
The California FAIR Plan is a last-resort insurance option for homeowners who can't obtain coverage through traditional insurers, typically due to wildfire risk. It provides basic fire coverage but does not include earthquake protection. If you have a FAIR Plan dwelling fire policy, you can then purchase separate earthquake coverage through the California Earthquake Authority (CEA). Most Montebello residents can still obtain traditional homeowners insurance, but the FAIR Plan exists as a safety net if needed.
Yes. While California requires $30,000/$60,000/$15,000 in liability coverage, medical costs and vehicle values often exceed these limits. If you cause an accident that results in serious injuries or expensive property damage, you're personally liable for costs beyond your policy limits. Most insurance experts recommend carrying at least $100,000/$300,000 in bodily injury coverage and $100,000 in property damage liability to adequately protect your assets.
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