Looking for Insurance in Irvine, CA?
Welcome to Irvine, California — a thriving city known for its master-planned neighborhoods, award-winning schools, and diverse business community. Whether you live in Woodbridge (92604), commute from Turtle Rock (92603), or run a company near the Irvine Spectrum (92618), one thing is clear: protecting your home, family, and business with the right insurance coverage is essential.
At Caldwell Insurance Services, we help Irvine residents and businesses find affordable, comprehensive, and personalized insurance policies. From auto to homeowners, renters to flood protection, our agents work with you to create policies that fit your needs and budget. We proudly serve all Irvine ZIP codes: 92602, 92603, 92604, 92606, 92612, 92614, 92617, 92618, 92620, and 92782.
Navigate to:
Home Insurance
Business Insurance
Renters Insurance
Condo Insurance
Flood Insurance
Auto Insurance
RV Insurance
Boat Insurance
Motorcycle Insurance
Umbrella Insurance
More about Irvine:
Top 5 Things Most People Don’t Know About Irvine
Get to Know the Irvine Neighborhood
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Best Home Insurance in Irvine, CA
Irvine homes are valuable assets, with median prices surpassing $1,000,000 in many neighborhoods. Protecting that investment with homeowners insurance is non-negotiable.
Do I really need home insurance in Irvine?
Yes. California lenders require homeowners insurance, but even if you’ve paid off your mortgage, protecting against wildfires, theft, and liability claims is essential.
What does Irvine homeowners insurance cover?
- Structural damage (roof, foundation, walls)
- Personal belongings like electronics, jewelry, and furniture
- Liability if someone is injured on your property
- Additional living expenses if your home becomes uninhabitable
What’s excluded?
Standard homeowners policies usually exclude floods and earthquakes. With Irvine’s proximity to fault lines and seasonal storms, supplemental coverage is smart.
Tips for Irvine homeowners:
- Bundle home + auto for significant savings
- Review coverage annually — Irvine property values rise quickly
- Add endorsements for jewelry, art, or luxury home upgrades
Learn more from the California Department of Insurance.
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Business Insurance in Irvine, CA
Irvine is home to Fortune 500 headquarters, biotech firms, and countless small businesses. From offices at the Irvine Spectrum to shops in University Town Center, business insurance keeps local companies thriving.
Why do Irvine businesses need insurance?
Whether it’s a customer slip-and-fall, cyberattack, or employee injury, business insurance protects against devastating financial loss.
Coverage options include:
- General Liability – lawsuits for injuries or property damage
- Workers’ Compensation – mandatory in California for employees
- Commercial Property Insurance – covers buildings and equipment
- Cyber Liability Insurance – essential for Irvine’s tech industry
- Business Interruption Insurance – covers lost income after a covered event
Resources: Irvine Chamber of Commerce | City of Irvine Economic Development
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Affordable Renters Insurance in Irvine, CA
With thousands of apartments near UC Irvine and across the city, renters insurance is crucial. Average policies cost less than $20/month yet provide major protections.
Coverage includes:
- Personal property protection (furniture, electronics, clothing)
- Liability for guest injuries
- Additional living expenses after fire or water damage
Why Irvine renters need insurance:
Many landlords in complexes like The Park and Irvine Company communities require proof of renters insurance before move-in. Even if not required, it’s an affordable safeguard.
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Condo Insurance in Irvine, CA
Irvine’s condo communities — Northwood, Quail Hill, Portola Springs — require condo insurance to fill HOA gaps.
What does condo insurance cover?
- Your unit’s interior (walls, flooring, built-ins)
- Personal belongings
- Liability for accidents inside your condo
HOA master policies rarely cover inside your unit — leaving owners responsible for costly repairs without condo insurance.
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Flood Insurance in Irvine, CA
Though not coastal, Irvine faces flood risks from heavy rain and runoff near San Diego Creek. Standard homeowners insurance does not cover flood damage.
Why flood insurance matters:
Just one inch of water can cause $25,000+ in damages. A flood insurance policy covers structure, contents, and living expenses.
Check your risk at FEMA Flood Map Service Center.
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Irvine Auto Insurance – Get the Best Rates
From the 405 to Jamboree Road, Irvine drivers face heavy traffic daily. Auto insurance protects you financially on the road.
California minimums:
- $15,000 Bodily Injury per person
- $30,000 Bodily Injury per accident
- $5,000 Property Damage
Optional coverage:
- Collision – covers damage to your vehicle
- Comprehensive – theft, fire, weather damage
- Uninsured/Underinsured Motorist – critical in Orange County
More info: California DMV.
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RV Insurance in Irvine, CA
Irvine families love road trips — from Yosemite to Joshua Tree. RV insurance protects your recreational vehicle and personal belongings.
Coverage options:
- Liability protection
- Personal belongings inside the RV
- Roadside assistance
- Collision and comprehensive
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Boat Insurance in Irvine, CA
Boating at Irvine Lake or Newport Harbor? Boat insurance protects your watercraft against theft, accidents, and liability claims.
Coverage includes:
- Hull damage and repairs
- Accident liability
- Equipment like trailers or gear
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Motorcycle Insurance in Irvine, CA
Year-round sunshine makes Irvine a rider’s dream. Motorcycle insurance is required and protects against liability, theft, and collisions.
Coverage options:
- Bodily injury & property damage liability
- Collision & comprehensive
- Medical payments
- Uninsured motorist protection
Tip: Discounts may apply if you complete a certified motorcycle safety course.
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Umbrella Insurance in Irvine, CA
An umbrella policy adds extra liability protection beyond your auto and home. With rising lawsuit risks in Orange County, umbrella coverage is an affordable way to secure your assets.
Why get umbrella insurance?
- Lawsuits often exceed standard policy limits
- Affordable premiums for high-value coverage
- Protects savings, property, and future income
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Top 5 Things Most People Don’t Know About Irvine, CA
- Irvine is one of the largest master-planned communities in the U.S.
- UC Irvine is a top-ranked research university (UC Irvine).
- Orange County Great Park is nearly twice the size of Central Park (Great Park).
- Irvine has ranked as one of the safest U.S. cities for 15+ years.
- Companies like Blizzard Entertainment and In-N-Out Burger are headquartered here.
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Get to Know the Irvine Neighborhood
- Woodbridge (92604) – twin lakes, pools, family-friendly.
- Turtle Rock (92603) – hillside homes, sweeping views.
- Great Park (92618) – sports complexes, modern homes.
- University Town Center (92612) – vibrant student community near UCI.
For city information, visit the City of Irvine official website.
