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Homeowners in Huntington Beach, California, pay an average home insurance rate ranging between $568 to $770. Huntington Beach homeowners can use the discounts offered by home insurance companies to reduce their home insurance rates. Below is a list of the discounts provided to Huntington Beach homeowners that they can take advantage of to save on home insurance.


Newly constructed Huntington Beach homes can avail of discounts of up to $393 on homeowners insurance. New homes have less propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. On the other hand, older homes attract higher insurance rates. Huntington Beach homes older than 40 and 50 years receive an additional charge of $38 and $70, respectively, on home insurance.

Home insurance companies consider the lifestyle of homeowners to determine insurance rates. If all the household residents are non-smokers, insurance companies offer special discounts on home insurance rates. Huntington Beach homeowners who own a swimming pool attract an additional insurance cost of up to $87. Installing a fence around the pool with self-latching and self-closing gates will help homeowners get discounts from home insurance companies. Additionally, senior citizens in Huntington Beach also receive discounts on home insurance.

Although most of the factors to avail discounts are not under the purview of homeowners, they can still benefit by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Huntington Beach homeowners opting for a high deductible of $2,500 can avail of a discount of $410 on homeowners insurance. Homeowners receive discounts of $343 and $230, respectively, on deductibles of $2,000 and $1,500. Huntington Beach homeowners save an average of $600 on a high deductible of $2,200 compared to a standard deductible of $1,200 for a lock-in period of 8 years.

Home insurance companies provide discounts to homeowners who have a claims-free history. On the other hand, homeowners with prior claims can attract an additional charge on their home insurance premiums. The cost of home insurance in Huntington Beach increases by up to 44% based on the nature and number of claims. Huntington Beach homeowners who have a history of two fire claims and two water claims attract an additional charge of $610 and $479, respectively.