Burbank, CA Home Insurance
Burbank homeowners sit about 1.5 miles from the Verdugo Fault and directly below the Verdugo Mountains, where the 2017 La Tuna Fire, one of the largest fires in Los Angeles city history, burned toward the city and forced hundreds of evacuations. The 1994 Northridge earthquake also caused tens of millions of dollars in documented damage here. The Allen Thomas Group builds home insurance around your actual property and location, backed by A+ rated carriers and more than two decades of independent-agency experience.
Last Updated: October 5, 2026
Carriers We Represent
How Much Does Home Insurance Cost in Burbank, CA?
Reliable Burbank-specific average premium data is not independently available. At the state level, NerdWallet reports a California statewide average of $2,230 per year (2026) for a policy with $500,000 in dwelling coverage and $300,000 in liability. That figure does not reflect your specific Burbank property; actual quotes are more useful than a generic state average because insurers price proximity to the Verdugo Fault, wildland-urban-interface exposure near the Verdugo Mountains, roof age, replacement cost, and claims history differently.
Get a free, personalized quote or call (440) 826-3676 to see what Burbank-specific factors mean for your rate.
Is Earthquake and Wildfire Damage a Home Insurance Risk in Burbank, CA?
Yes, and both are documented risks. The Verdugo Fault, assessed as capable of a magnitude 6.5 earthquake, runs about 1.5 miles from Burbank's civic center. The 1994 Northridge earthquake caused an estimated $61.8 million in damage attributed to Burbank's finance department, including $58 million in private, commercial, industrial, and entertainment-property damage, $3.8 million in public buildings, roads, and a power station, and 292 fire-department responses for damage and gas-leak calls. A standard HO-3 homeowners policy in Burbank treats earthquake shake damage as an outright exclusion; the only way to cover it is a separate policy through the state-created California Earthquake Authority (CEA).
Burbank also borders the Verdugo Mountains, a real wildland-urban-interface zone. The 2017 La Tuna Fire burned 7,194 acres in the Verdugo Mountains above Burbank, one of the largest fires in Los Angeles city history, moving south toward the city within its first day and forcing the evacuation of more than 730 homes, destroying 5 homes and 5 outbuildings, and injuring 10 people.
Get a free, personalized quote or call (440) 826-3676 to review your earthquake and wildfire coverage options.
Why Home Insurance Matters
Burbank is home to an estimated 102,988 residents as of 2025, down from 107,337 at the 2020 census (U.S. Census Bureau QuickFacts). The city sits about 1.5 miles from the Verdugo Fault and directly below the Verdugo Mountains, where the 2017 La Tuna Fire burned one of the largest fires in Los Angeles city history.
Known as the "Media Capital of the World," Burbank is headquarters to Warner Bros. and The Walt Disney Company, and was historically home to Lockheed's Skunk Works, which developed the U-2 spy plane. The median home value is $1,089,100 (Census Bureau, 2020-2024 estimate), reflecting the city's position in the broader Los Angeles market.
We work with homeowners throughout Burbank to build home insurance coverage that accounts for Verdugo Fault earthquake exposure, wildland-urban-interface wildfire risk, and the real replacement costs of rebuilding here. The Allen Thomas Group writes home insurance in Burbank, CA through 15+ A-rated carriers, including Travelers, Liberty Mutual, Progressive, and Cincinnati.
- Your base homeowners policy stops short of earthquake coverage; a CEA policy is what actually protects against the Verdugo Fault
- The 1994 Northridge earthquake caused an estimated $61.8 million in damage attributed to Burbank's finance department
- The 2017 La Tuna Fire burned 7,194 acres in the Verdugo Mountains above Burbank, one of the largest fires in LA city history
- Properties near the Verdugo Mountains' wildland edge may face brush-clearance and defensible-space considerations
- Median home value of $1,089,100 means underinsurance gaps on older homes can be significant
- Regular policy reviews help you adjust coverage limits as construction costs rise in Burbank
Personal Insurance for Families
Your home is likely your largest asset, and protecting it goes beyond the structure itself. Burbank families need homeowners coverage that covers the dwelling, personal property inside, liability if someone is injured on your property, and additional living expenses if a disaster forces you to relocate. We work with carriers like Travelers, Liberty Mutual, and Auto-Owners to build multi-policy packages that give you discounts and cohesive protection.
Many Burbank homeowners also carry auto insurance and excess liability coverage. Bundling auto and home policies typically saves 10-20% compared to separate carriers, and an excess liability policy can add $1-2 million in coverage above your home and auto limits, which matters if you entertain guests or own a higher-value property.
Life insurance ensures your family can cover the mortgage and maintain their lifestyle if something happens to you. Term life is affordable and straightforward; many Burbank families pair a 20- or 30-year term policy with their home and auto coverage to create a complete safety net.
- Dwelling coverage reimburses rebuilding costs; we help you set limits that match real Burbank construction costs
- Personal property coverage protects furniture, electronics, and belongings inside your Burbank home
- Liability limits of $300,000–$500,000 shield you from lawsuits if a guest is injured at your property
- Additional living expenses coverage pays hotel, meals, and other costs if you're displaced after a loss
- Bundle auto and home coverage for typical savings of 10-20% compared to separate carriers
- Umbrella-style excess liability adds coverage above your home and auto limits for higher-value Burbank properties
- Life insurance paired with your home policy ensures your family can cover the mortgage if something happens to you
Why Choose The Allen Thomas Group
The Allen Thomas Group is a family-owned independent insurance agency licensed in 28 states and founded in 2003. We don’t work for one insurance company, so we’re not stuck offering you whatever that single company decides to charge. If a carrier raises your premium or pulls back from writing in Burbank, as several have done across California in recent years, we can shop your coverage elsewhere without you starting the process over from scratch.
Our A+ BBB rating reflects two decades of transparent, claims-focused service. We listen to your situation, explain your options in plain English, and help you choose coverage that actually protects what matters. Many of our clients have been with us for 10+ years because we treat their renewal as seriously as their initial policy. When a claim happens, we advocate for you with the carrier, ensuring you’re treated fairly.
That personal attention means we take the time to understand your actual situation in Burbank, whatever your property and risk profile look like.
- Independent agency structure gives you choice and competitive pricing across multiple carrier markets
- Deep familiarity with California-specific rules, from CEA requirements to FAIR Plan eligibility, benefits every Burbank client
- A+ BBB rating reflects transparent practices, plain-English explanations, and dedicated claims advocacy
- Direct access to your agent, not a call-center queue, when you have a question or need to file a claim
- Personalized discovery process identifies gaps and redundancies in your current coverage before quoting
- Local awareness of Burbank's seismic, wildfire, and property-value factors informs every recommendation
- Long-term client relationships built on trust, not just annual renewals or commission-driven sales
How We Work With You
Our process is straightforward and focused on your actual needs, not a pressure sale. We start with Discovery: a conversation about your home, family, and vehicles. We ask about your existing coverage, claims history, and gaps you’ve noticed. Then we Market: we quote your profile across our full carrier network to find the best combination of rate, coverage, and financial strength for your situation. You review a Side-by-Side comparison showing what each carrier offers and costs.
Once you choose a carrier and coverage, we handle the Application and get your policy in force. If you need to adjust coverage mid-year, say you add a second vehicle or complete a major renovation, we update your policy and manage any premium adjustments. And if a claim happens, we’re here to help. We guide you through the claims process, ensure the carrier processes your claim fairly, and advocate if disputes arise.
Many of our Burbank clients also use us for annual reviews, especially after property improvements. A new roof or other upgrade might qualify you for discounts or reduce your coverage needs. We monitor your situation and reach out if we spot savings or changes that benefit you.
- Discovery conversation uncovers your real risks and current coverage gaps before we quote anything
- Market comparison across our carrier network shows you rates, coverage options, and financial strength side-by-side
- Transparent quoting with no surprises; we explain premium drivers and where you can reduce costs safely
- Fast application and activation; we handle paperwork and get you in force quickly for peace of mind
- Mid-year adjustments available if your home or vehicles change and require coverage updates
- Claims advocacy ensures the carrier treats you fairly if you file a claim; we guide you through the process
- Annual reviews keep your coverage aligned with your current property values and life circumstances
Home Insurance Considerations for Burbank Homeowners
Burbank homeowners ask us a short list of the same questions on repeat: whether they need earthquake coverage near the Verdugo Mountains wildland edge, and how actual cash value stacks up against replacement cost. Here is the direct answer to each.
Earthquake Coverage and the CEA. Your standard homeowners policy does not cover earthquake shake damage. Because Burbank sits about 1.5 miles from the Verdugo Fault, and the 1994 Northridge earthquake already caused tens of millions of dollars in documented damage here, we break down California Earthquake Authority (CEA) options line by line, deductible and exclusions included, before you decide whether to add one.
Wildfire Risk Near the Verdugo Mountains. The 2017 La Tuna Fire demonstrated real wildland-urban-interface exposure for Burbank properties near the mountains. Homeowners near wildland areas should evaluate brush-clearance practices and discuss whether their property's location affects standard-market availability.
Replacement Cost vs. Actual Cash Value. Older homes in Burbank, homes near the Verdugo Mountains' wildland edge included, are frequently still covered on an actual cash value (ACV) basis, chosen originally because it's the cheaper route. The drawback shows up at claim time: ACV only pays depreciated value, not the real cost to rebuild. Replacement Cost coverage closes that gap, and given Burbank's median home value above $1 million that extra premium tends to pay for itself.
- Standard coverage stops short of earthquakes; a CEA policy or private earthquake endorsement is required to actually insure against one
- Properties near the Verdugo Mountains' wildland edge may face brush-clearance and defensible-space considerations that can affect insurability
- Older homes often carry actual cash value policies that pay depreciated amounts, not full rebuild cost
- Regular policy reviews help you adjust coverage limits as construction costs rise in Burbank
How a Standard Homeowners Policy Is Built
Enter your dwelling coverage amount to see how the other three core coverages are typically sized around it.
Based on standard HO-3 homeowners policy structure, not this property's specific figures. Your actual coverage should be set with your agent based on your home's real replacement cost and contents.
These are typical ratios, not your real numbers.
Get a Free Coverage Review →Frequently Asked Questions
Does my Burbank homeowners policy cover earthquake damage?
No. Standard homeowners policies in California, including in Burbank, exclude earthquake shake damage. The Verdugo Fault runs about 1.5 miles from Burbank's civic center, and the 1994 Northridge earthquake caused an estimated $61.8 million in documented damage here. Quake damage is only covered if you add a separate California Earthquake Authority (CEA) policy or a private earthquake endorsement.
How did the La Tuna Fire affect Burbank?
The 2017 La Tuna Fire burned 7,194 acres in the Verdugo Mountains above Burbank, one of the largest fires in Los Angeles city history. It moved south toward Burbank within its first day, forcing the evacuation of more than 730 homes and destroying 5 homes and 5 outbuildings.
Is my Burbank home in a wildfire-risk area?
It depends on your specific location. Properties closer to the Verdugo Mountains carry meaningfully more wildfire exposure than flatland areas closer to the city center, as the 2017 La Tuna Fire demonstrated.
How much does home insurance cost in Burbank?
No Burbank-specific average is independently available. NerdWallet's 2026 data puts the California statewide average at $2,230 per year for $500,000 in dwelling coverage, but your actual rate depends on proximity to the Verdugo Fault, wildfire exposure, your home's age, and construction. A personalized quote is the only way to know your actual rate.
Should I get replacement cost or actual cash value coverage for an older Burbank home?
For most homes, especially those near the Verdugo Mountains' wildland edge, replacement cost coverage is worth the extra premium. Actual cash value policies pay depreciated amounts, which can leave a significant shortfall if you need to rebuild at today's construction costs, particularly given Burbank's median home value above $1 million.
Can I bundle my auto and home insurance with The Allen Thomas Group in Burbank?
Yes. Most clients save 10-20% bundling home and auto with us. Because we work with multiple carriers rather than just one, we can split your policies across companies if that actually nets you a better rate, and explain the math either way.
Protect Your Home Today
Get a free quote from The Allen Thomas Group and see how much you can save on home insurance tailored to Burbank's real risks and your property's real value.