Keystone Insurance Brokers
1074 Pittsburgh Rd, Valencia, PA 16059
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Valencia households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1074 Pittsburgh Rd, Valencia, PA 16059
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Valencia residents.
Valencia home insurance guide: earthquake coverage costs $2K-$3K/year, wildfire risk limits options. Learn about CEA policies, FAIR Plan, and rates for 2025.
The average car insurance cost in Valencia is $1,937 annually, which is below California's statewide average of $2,108 per year. Full coverage typically ranges from $2,104 to $3,108 annually depending on your driving record, age, and vehicle. Minimum liability coverage costs between $1,266 and $1,358 per year, though most experts recommend carrying higher limits than the state minimum.
As of January 1, 2025, California requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for multiple injuries, and $15,000 for property damage (30/60/15). This doubled from the previous requirements of 15/30/5. These new limits take effect upon your policy renewal, so if your policy renewed before January 2025, you may still have the old limits until your next renewal date.
Valencia homeowners can still obtain insurance, though the California market has become more challenging overall. Los Angeles County saw 56,558 non-renewed policies between 2020-2023, representing 22% of California's total. However, working with an independent agent who has access to multiple carriers significantly improves your chances of finding coverage. The average homeowners insurance premium in Valencia ranges from $1,612 to $1,857 annually, which is below the state average.
Bundling your auto and home insurance with the same carrier typically saves 15-25% on your premiums, making it a smart financial move for most Valencia residents. Beyond the discount, bundling simplifies your insurance management by consolidating policies, billing, and claims through one company. However, always compare the bundled price against separate policies from different carriers to ensure you're getting the best overall value.
Standard homeowners policies don't cover earthquake damage, and California sits on multiple active fault lines, making earthquake insurance worth considering. The cost depends on your home's age, construction type, and proximity to fault lines. If you have significant equity in your Valencia home or couldn't afford to rebuild out-of-pocket after a major earthquake, purchasing separate earthquake coverage provides important financial protection.
Captive agents represent a single insurance company (like State Farm or Allstate) and can only sell that company's products. Independent agents work with multiple insurance carriers and can compare quotes from different companies to find you the best coverage and price. In Valencia's current market where insurer availability varies due to wildfire concerns, independent agents offer more flexibility by accessing multiple options without requiring you to restart the shopping process.
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