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When you are looking at auto insurance, you need consider the factors that will ultimately affect your rate.  For instance, you need to consider your age, how far you drive to work, where you live and where you work along with details about your vehicle such as the make, model and year.  Of course, there are other elements like your driving history and how much of a risk you are determined to be.  If you are looking into homeowner’s insurance Irvine, you will have similar concerns.  However, you are more likely to take into account the many natural disasters that affect Californians every year such as earthquakes, floods, mudslides, tornadoes and wildfires.  Not only do you need to cover your home and its contents, but you may also need to consider insurance for debris cleanup and possibly rebuilding.