Redlands, CA Home Insurance
Redlands homeowners live below the San Andreas Fault where it runs along the southern base of the San Bernardino Mountains, in a city whose housing stock still includes Victorian landmarks from its citrus-boom era. Two major earthquakes struck San Bernardino County within a decade, and recent fires have burned in the mountains immediately north. 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 Redlands, CA?
No Redlands-specific average premium is independently published. At the state level, NerdWallet reports a California average of $2,230 per year, or about $186 per month, based on a policy with $500,000 in dwelling coverage, $300,000 in liability, and a $1,000 deductible. Redlands' median owner-occupied home value is $613,600, so that $500,000 coverage basis is closer to the mark here than in California's coastal markets, though it still will not reflect your specific property.
Insurers price proximity to the San Andreas Fault, distance from the San Bernardino Mountains wildland, your fire hazard severity zone, roof age, replacement cost, and claims history differently.
Get a free, personalized quote or call (440) 826-3676 to see what Redlands-specific factors mean for your rate.
Is Earthquake Damage a Home Insurance Risk in Redlands, CA?
Yes, and it is a risk standard homeowners insurance does not cover. The San Andreas Fault runs along the southern base of the San Bernardino Mountains, the range immediately north of Redlands, before crossing through Cajon Pass. Its southern section has not produced a major rupture in at least 300 years. The San Jacinto Fault Zone, which runs through San Bernardino, Riverside, San Diego and Imperial counties, is described as the most seismically active fault zone in the area. San Bernardino County felt two major earthquakes within a single decade: the 1992 Landers earthquake (magnitude 7.3, three deaths, more than 400 injuries, $92 million in damage) and the 1992 Big Bear earthquake (magnitude 6.5, at least $60 million, 63 injuries, roughly 2,600 chimneys destroyed and 20 homes knocked off their foundations). No Redlands-specific damage figure from a named historical earthquake is independently documented, so regional events are the honest frame. A standard HO-3 homeowners policy in Redlands carves out earthquake damage as an exclusion, full stop; homeowners have to add a California Earthquake Authority (CEA) policy separately to be covered.
Wildfire exposure here comes from the mountains to the north rather than from fires inside the city. The 2003 Old Fire burned 91,281 acres, destroyed 993 homes and killed six people, with San Bernardino and Highland named among the affected communities; the 2024 Line Fire burned 43,978 acres near Highland and put more than 9,200 homes under evacuation orders. Redlands is not named in the evacuation lists for either fire, but both burned in the same mountain front that rises directly above the city. The City of Redlands confirms Cal Fire identified Local Responsibility Area fire hazard zones within the city, with maps in public review from April 1, 2025 and an ordinance anticipated that July.
Get a free, personalized quote or call (440) 826-3676 to review your earthquake and wildfire coverage options.
Why Home Insurance Matters
Redlands is home to roughly 74,287 residents, up from 73,168 at the 2020 census and 68,747 in 2010 (American Community Survey, 2024). Median household income is $99,158 and about 60% of homes are owner-occupied, with a median owner-occupied home value of $613,600.
Redlands has unusually old housing stock for the Inland Empire, and it traces directly to citrus. E.J. Waite planted the city's first orange grove in spring 1882; by the late 1930s Redlands was a fruit-packing center ringed by more than 15,000 acres of groves, shipping over 4,200 railcars of navel oranges in the 1937-38 season alone. That wealth built landmarks still standing today, including the A.K. Smiley Public Library (1898), the Morey Mansion (1890), and Kimberly Crest House (1897). The University of Redlands was established in 1907.
Homes of that vintage carry replacement costs that bear no relationship to their original construction cost, and often predate modern seismic detailing. We work with homeowners throughout Redlands to build home insurance coverage that accounts for fault proximity, foothill wildfire exposure, and real rebuild costs on historic construction. The Allen Thomas Group writes home insurance in Redlands, CA through 15+ A-rated carriers, including Travelers, Liberty Mutual, Progressive, and Cincinnati.
- Shake damage from the San Andreas Fault isn't covered by a standard policy; a CEA policy is the only way to insure against it
- The San Andreas Fault runs along the southern base of the San Bernardino Mountains directly north of Redlands
- The 1992 Landers (M7.3) and Big Bear (M6.5) earthquakes both struck San Bernardino County within one decade
- The 2003 Old Fire and 2024 Line Fire both burned in the mountain front above the city, though Redlands itself was not in either evacuation list
- Cal Fire identified Local Responsibility Area fire hazard zones inside Redlands, with an ordinance anticipated in 2025
- Victorian-era landmarks and citrus-boom housing stock carry replacement costs far above original build cost
Personal Insurance for Families
Your home is likely your largest asset, and protecting it goes beyond the structure itself. Redlands 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 Redlands 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 Redlands 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 Redlands construction costs
- Personal property coverage protects furniture, electronics, and belongings inside your Redlands 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 Redlands 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 Redlands, 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 Redlands, 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 Redlands 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 Redlands'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 Redlands 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 Redlands Homeowners
Two things come up in almost every conversation with a Redlands homeowner: earthquake coverage below the San Andreas Fault, and the real difference between replacement cost and actual cash value. We walk through both because they determine how well you recover after a loss.
Earthquake Coverage and the CEA. Your standard homeowners policy does not cover earthquake shake damage. Because Redlands sits below the San Andreas Fault where it tracks the base of the San Bernardino Mountains, and because the southern section has not ruptured in at least 300 years, we lay out California Earthquake Authority (CEA) coverage plainly, deductible structure included, so you know exactly what you're buying and what's still excluded.
Foothill Wildfire Exposure. The 2003 Old Fire and 2024 Line Fire both burned in the mountain front above Redlands without the city itself appearing in evacuation orders. That is a meaningful distinction: proximity to a fire-prone range affects carrier appetite and fire hazard severity zone status even when the city has not taken a direct hit. Confirm your parcel's zone under the maps Cal Fire released for local adoption in 2025.
Replacement Cost vs. Actual Cash Value. A sizable share of older Redlands homes, including Victorian-era homes from the citrus boom, still carry actual cash value (ACV) coverage, mainly because it was the lower-cost option at the time. ACV's downside is depreciation — it pays what the home is worth today, not the cost to rebuild it. Replacement Cost coverage removes that discount, which matters given given how far current construction costs have moved past original build cost.
- A base homeowners policy skips earthquake coverage completely; a CEA policy or private endorsement is the only way to add it
- Historic citrus-era and Victorian homes often need replacement-cost estimates built around period materials and craftsmanship, not square-foot averages
- Properties nearer the San Bernardino foothills may face defensible space obligations and narrower standard-market options
- Older homes frequently carry actual cash value policies that pay depreciated amounts, not full rebuild cost
- Regular policy reviews help you adjust limits as Inland Empire construction costs rise
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 Redlands homeowners policy cover earthquake damage?
No. Standard homeowners policies in California, including in Redlands, exclude earthquake shake damage. The San Andreas Fault runs along the southern base of the San Bernardino Mountains directly north of the city, and its southern section has not produced a major rupture in at least 300 years. A separate California Earthquake Authority (CEA) policy or private earthquake endorsement is the only way to get quake-damage coverage.
Has an earthquake ever damaged Redlands specifically?
No Redlands-specific damage figure from a named historical earthquake is independently documented. The honest regional frame is that San Bernardino County felt two major earthquakes within one decade: the 1992 Landers earthquake (magnitude 7.3, $92 million in damage) and the 1992 Big Bear earthquake (magnitude 6.5, roughly 2,600 chimneys destroyed and 20 homes knocked off foundations).
Did the Old Fire or Line Fire burn in Redlands?
Neither fire named Redlands in its evacuation lists. The 2003 Old Fire (91,281 acres, 993 homes destroyed, six deaths) affected San Bernardino and Highland, and the 2024 Line Fire (43,978 acres) centered near Highland. Both burned in the mountain front that rises directly above Redlands, which is why foothill proximity still matters for coverage.
How much does home insurance cost in Redlands?
No Redlands-specific average is published. NerdWallet puts the California average at $2,230 per year based on $500,000 of dwelling coverage. With a median home value of $613,600, that coverage basis is closer to the mark in Redlands than in California's coastal markets, but your actual rate depends on fault proximity, fire hazard zone, roof age, and replacement cost.
Do historic Redlands homes need different coverage?
Often, yes. Landmarks and citrus-era housing built in the 1890s and early 1900s carry replacement costs tied to period materials and craftsmanship rather than modern square-foot averages, and many predate current seismic detailing. An actual cash value policy on a home like that can leave a severe shortfall after a loss.
Can I bundle my auto and home insurance with The Allen Thomas Group in Redlands?
Yes, typically with a 10-20% savings and one combined bill. Being independent means we can mix carriers if that's actually the better deal for you, home with one company and auto with another, and we'll walk you through why.
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 Redlands's real risks and your property's real value.