Long Beach Insurance Rates:

Long Beach, CA home insurance is roughly $542 to $734, about $45-$61/month. Our detailed guide reveals consumers can save as much as $255 by getting different quotes

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Long Beach, California Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Long Beach Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $170/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

2 Beds, 2 Bath 1300 sqft Vacation Property Constructed In 1941 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $440,000

3 Beds, 3 Baths 2200 sqft Vacation Property Constructed In 1950 with Hardwood Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $380/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

2 Beds, 2 Bath 1240 sqft Vacation Property Constructed In 1941 with Hardwood Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $570/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $495,000

4 Beds, 4 Baths 1930 sqft Vacation Property Constructed In 1970 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1440/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $440,000

3 Beds, 3 Baths 1900 sqft Seasonal Residence Constructed In 1980 with Stone Flooring, Composition Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $190/3 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $220,000

1 Bed, 1 Bath 701 sqft Primary Residence Constructed In 1966 with Hardwood Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Long Beach, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
90803 $703,900 $680
90814 $606,400 $670
90815 $535,000 $660
90808 $522,600 $660
90813 $305,100 $620
90805 $295,100 $620
90802 $282,300 $620

Long Beach Rates & Quotes Analysis:

Long Beach Area Estimated House Insurance
Virgil Walk, E Nardo Ct, E Thompson St, Pali Dr, E Anaheim Rd, Ionia Walk, E Cervato St, W Cypress Ct, Virginia Vis, E Bort St$735
N Loreta Walk, E Anaheim Rd, Vuelta Grande Ave, E 208th St, N del Mar Ave, E Oleta St, E Marita St, E Killdee St, 67th St, W Bronce Way$697
43rd Pl, S 52nd Pl, S 18th Pl, N Pacific Pl, N Bryant Rd, E Theresa St, E Appian Way, Damar St, Pomona Ave, N Cordova Walk$695
Biona Ct, Lomina Ave, N Palermo Walk, E Janice St, S 63rd Pl, 58th Pl, N Solano Ct, W 67th Way, Ferro Ct, Volk Ave$612
N Alamitos Ave, E Via Barola, Gardner St, N Waite Ct, N Harbor Ave, E Sheri Ln, E Bixby Hill Rd, Pittsfield Ct, Carroll Park N, E Mountain View St$677
N Park Cir, N College Cir, W Cobre Way, Moonstone, N Country Club Dr, E Atlas Way, Signal Pointe, Margo Ave, E la Dera Dr, Keel Ct$615
64th Pl, E Mountain View St, N Tulane Ave, E Forhan St, Stearnlee Ave, Netherly Ave, W Cobre Way, S Hart Pl, N Rafael Walk, Blue Cavern Pt$654
E Cameron Pl, E Marina Dr, N College Pl, Brook Ave, E Saint Irmo Walk, E Washington St, S Termino Ave, Catalina Dr, Bixby Station Rd, S 71st Pl$627
College Park Dr, E Mezzanine Way, N Temple Ave, San Marco Dr, E Patterson St, E Hungerford St, Beechley Ave, E Flagstone St, E Phillips St, Granada Ct$650
Gundry Ct, E Livingston Dr, E la Cara St, E Scott St, W Lincoln St, Winslow Ave, E 221st Pl, W Trafford St, E Poinsettia St, Magnolia Rd$611

Insurance rates are influenced by a number of factors including:

  • Year Built: 25,953 Homes (14% of total) built between 1940 to 1949 in Long Beach are paying home insurance between $1,279-$1,289 and differs from Rossmoor (+$122), Los Alamitos (+$59), Cerritos (+$54), Hawaiian Gardens (-$62) and Bellflower (-$24).
  • Bedrooms: 62,091 2 bedrooms homes (38% of total homes ) in Long Beach are paying about $186. Areas near to Long Beach such as Signal Hill, Rossmoor, Los Alamitos are costlier by $4, $17, $14 respectively whereas Hawaiian Gardens and Bellflower are more economical by $3, $5 respectively for similar homes.
  • Auto Insurance Bundling: 26,955 Households (40% of all households) in Long Beach have 2 vehicles available and when it is bundled with home insurance you can save $127 in contrast with Signal Hill ($126), Long Beach-Lakewood ($127), Lakewood ($127).
  • Senior Discounts: 31,018 seniors (more than 55 years) occupied housing units (47% of total) in Long Beach get discounts between $95 to $97 and differs from Signal Hill ($94), Long Beach-Lakewood ($95), Rossmoor ($104).
  • New Homes discounts: New homes such as the 49,324 homes built between 2000 to 2009 in Long Beach can save $127 and differs from Signal Hill ($126), Long Beach-Lakewood ($127), Lakewood ($127).

Long Beach Homeowners insurance Facts

  • Long Beach, CA has 65,963 owner occupied houses which is 40.8% of all units whereas Signal Hill, Long Beach-Lakewood and Lakewood have 48.64%, 45.36% and 71.92% respectively.
  • Long Beach, CA homeowners yearly insurance price at $638 is 0.14% of the typical house value of $441,600 which is in contrast with 0.15% in Signal Hill, 0.15% at Long Beach-Lakewood & 0.15% in Lakewood.
  • Homeowners in Long Beach, CA pay 2.84% of their income ($20,000 to $24,999) in insurance whereas homeowners in Signal Hill, Long Beach-Lakewood and Lakewood pay 2.81%, 2.83% and 2.83% respectively.
  • Long Beach, CA’s insurance is 2.2% of monthly housing costs of $2,379/month, for owners with a mortgage compared to 2.06% in Signal Hill, 2.25% at Long Beach-Lakewood & 2.29% in Lakewood. But, for households without a mortgage, insurance is 12.4% of costs ($429 in Long Beach, CA) in contrast with 8.56% in Signal Hill, 13.05% at Long Beach-Lakewood & 15.63% in Lakewood.

Long Beach, CA Home Values & Insurance rates

For example, insurance for 1,160 Homes (4.0% of total homes ) valued between $175,000 to $199,999 in Long Beach, CA is about $267. Rates in nearby areas in such as Cerritos, Rolling Hills Estates, Torrance are cheaper by $62, $137, $67 respectively while Signal Hill and Long Beach-Lakewood are costlier by $17 and $6 respectively for similar homes.

Long Beach, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,659 5.0% $31
$60,000 to $69,999 355 1.0% $89
$100,000 to $124,999 684 2.0% $153
$125,000 to $149,999 669 2.0% $197
$150,000 to $174,999 1,512 5.0% $229
$175,000 to $199,999 1,160 4.0% $267
$200,000 to $249,999 4,520 16.0% $325
$250,000 to $299,999 5,356 19.0% $395
$300,000 to $399,999 11,408 40.0% $504

Renters Insurance in Long Beach

  • Average Renters Insurance in Long Beach :  $119($9/month)

  • Median Gross Rent in Long Beach :  $1,093

  • Long Beach Renters Insurance to Median Rent Ratio:  0.82%

  • Renter occupied housing units in Long Beach :  95,627

Long Beach Renters Insurance as a Percentage of Rent

Long Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 1,942 2.0% $779
$300 to $499 2,750 2.0% $1229
$500 to $749 8,897 9.0% $1904
$750 to $999 24,441 26.0% $2654
$1,000 to $1,499 35,944 38.0% $3779
$1,500 or more 19,344 20.0% $5429

Protective device discount in Long Beach Up to :  $17

Claims-free discount in Long Beach Up to :  $23