What Insurance Coverage is Required in California?

Auto Insurance Requirements

When it comes to car insurance in California, every driver out on the road is required to have coverage before getting behind the wheel. According to the California Department Of Motor Vehicles, the minimum liability insurance coverage for car insurance includes the following:

• $15,000 for the injury or death of one person
• $30,000 for the injury or death of multiple persons
• $5,000 for damage to property

Should any individual driver fail to meet these car insurance requirements, it can result in monetary fees or even a suspended driver’s license. However, receiving this type of insurance in California is easier than ever with FasTrak Insurance.

Health & Medical Insurance Requirements

Health insurance in California requirements have recently experienced a few changes, ones that affect every single resident state-wide. As per the State Of California Franchise Tax Board, as of January 2022 all state residents are required to maintain qualifying health insurance for themselves, their spouse or domestic partner, and their dependents. Should the requirement not be met, individuals risk tax penalties. If you’re unsure if your current health insurance is compliant, reach out to FasTrak Insurance today to find affordable medical coverage.

Home Insurance Requirements

Unlike the other types of insurance in California mentioned above, home insurance coverage in the state is actually not required by law. However, even if couples or families don’t risk non-compliance by foregoing home insurance, a mortgage provider or lender may require this type of coverage. Additionally, home insurance in California can help protect your personal belongings in the event of an emergency. If you’re interested in making a change, speak to our FasTrak Insurance representatives to find the right type of personalized coverage you’re looking for.

Renters Insurance Requirements

Renter’s insurance in California is also similar to that of other states across the country — it typically is not required according to the law, but individual landlords may require it. The only way to know for sure if you have the insurance coverage you need is to speak with your apartment or home landlord to see if they individually require it or only recommend it as a safety net.