Costa Mesa ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Costa Mesa, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Costa Mesa, CA is $1431. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Costa Mesa, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Costa Mesa, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $572 |
| $200,000 | $973 |
| $300,000 | $1,202 |
| $400,000 | $1,832 |
| $500,000 | $2,304 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Costa Mesa, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,467 |
| $1000 Deductible | $1,312 |
| $1500 Deductible | $1,238 |
| $2500 Deductible | $1,116 |
| $5000 Deductible | $944 |
| Home Insurance Company Near Costa Mesa, CA | Homeowners Insurance Agency Near Costa Mesa, CA | Address |
|---|---|---|
| Farmers | Arthur Momjyan | 9107 Wilshire Blvd Ste 450, Beverly Hills, CA, 90210 |
| State Farm | Rc Chavez | 454 N Arrowhead Ave, San Bernardino, CA, 92401-1421 |
| Farmers | Renee Connell | 30211 Avenida De Las Bandera Ste 200, Rancho Santa Margari, CA, 92688 |
| Allstate | Tram Ly | 13571 Beach Blvd, Westminster, CA, 92683 |
| State Farm | Vali De Vries | 1777 Bellflower Blvd, Long Beach, CA, 90815-4019 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Fountain Valley city, California | $99 | $132 | $198 |
| Central Coast CCD, Orange County, California | $104 | $138 | $207 |
| Newport Beach city, California | $109 | $145 | $218 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Costa Mesa, CA | 2.0% | 12.6% |
| Fountain Valley | 2.14% | 12.32% |
| Central Coast | 1.72% | 9.3% |
| Newport Beach | 1.51% | 7.05% |
| Costa Mesa Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 371 | 1.0% | $1216 |
| $500 to $749 | 337 | 1.0% | $1891 |
| $750 to $999 | 1,294 | 5.0% | $2641 |
| $1,000 to $1,499 | 9,756 | 41.0% | $3766 |
| $1,500 or more | 11,673 | 49.0% | $5416 |
| Streets in Costa Mesa Area | Homeowners Insurance Cost |
|---|---|
| Greenbrook Dr, York St, Austin St, Carnation Ave, Golf Course Dr, Corte Cassis, Peninsula Pl, Serang Pl, Lincoln Way, Bahama Pl | $674 |
| Brenham St, Marigold Cir, Sparkes St, Newport Glen Ct, Swan Cir, Rural Ln, Capella Ct, Landsdowne Rd, Bristol St N, Arizona Ln | $638 |
| Marian Way, Sky Park Cir, Ballow Ln, E Bay St, Cornell Dr, Parkglen Cir, Tulip Ln, Valley Rd, Fischer Ave, Samar Dr | $680 |
| N Capella Ct, Abbie Way, Cassia Ave, Royal Palm Dr, Evergreen Pl, Ford Rd, Poppy Cir, New Mexico St, Date Pl, Richter Ave | $672 |
| Ridgecrest Cir, Wintergreen Pl, Indus St, Seabird Ct, Galway Ln, Woodland Pl, Clark Way, Bray Ln, Deep Creek, Villanova Rd | $646 |
| Langs Bay, S Bear St, Corte Maltera, Rural Pl, Continental Ave, Powell Ct, Oregon Ave, Capitol St, Bayfield, Chestnut Ave | $668 |
| Cocobana Ln, Cedar Pl, Saybrook Ct, Lorenzo Ave, W Firebrand Ln, Dogwood St, Mallard Dr, E Wilson St, Bunker Hill Way, la Mer Ct | $649 |
| Ima Loa Ct, Paularino Ave, Windy Ln, 16th Pl, Willis St, Encore Ct, Venier Way, Browning, Ogle St, Back Bay Loop | $646 |
| Warren Ln, Minnesota Ave, McCabe Way, Industrial Dr, Colorado Pl, S Myrtle Ave, Cornerstone Ln, Gretel Ct, Visalia Dr, Sonora Rd | $639 |
| Illinois St, Viola Pl, Mojo Ct, Grant St, Bristol St N, Sterling Ave, Toronto Way, Bosque Spring, Cape Verde Pl, Kline Dr | $662 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Costa Mesa | $99 to $101 |
| Fountain Valley | $99 |
| Central Coast | $103 |
| Newport Beach | $109 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | Tokio Marine America | 313 |
| 250000 | 1000 | New | AAA (Interinsurance Exchange) | 339 |
| 250000 | 500 | New | Horace Mann P & C | 461 |
| 300000 | 500 | New | Integon/National | 697 |
| 750000 | 2500 | New | Stillwater Prop & Cas Co | 786 |
| 150000 | 250 | 1-3 Years | California Casualty | 429 |
| 150000 | 500 | 1-3 Years | Horace Mann | 237 |
| 250000 | 1000 | 1-3 Years | Pacific Property And Casualty | 279 |
| 250000 | 1000 | 1-3 Years | QBE (Balboa) | 504 |
| 250000 | 1000 | 1-3 Years | Stillwater Ins Co | 486 |
| 500000 | 1000 | 1-3 Years | First American Ins | 894 |
| 500000 | 1000 | 1-3 Years | Mercury Ins Group | 542 |
| 200000 | 500 | 4-6 Years | MAPFRE Group | 528 |
| 250000 | 1000 | 4-6 Years | Horace Mann P & C | 493 |
| 250000 | 1000 | 4-6 Years | State Farm | 580 |
| 250000 | 500 | 4-6 Years | California Capital | 587 |
| 250000 | 500 | 4-6 Years | Western Mutual/Residence | 491 |
| 500000 | 2500 | 4-6 Years | General Ins | 509 |
| 500000 | 2500 | 4-6 Years | Travelers | 868 |
| 150000 | 250 | 7-15 Years | MAPFRE Group | 578 |
| 400000 | 1000 | 7-15 Years | Unigard Group | 990 |
| 500000 | 1000 | 7-15 Years | American Modern | 1713 |
| 500000 | 2500 | 7-15 Years | Integon/National | 1298 |
| 500000 | 2500 | 7-15 Years | Unigard Group | 1030 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $2,000 |
| Yearly Costa Mesa Homeowner Insurance Premium Example | $1,700 | $1,200 |
| Out of Pocket Expense During Claim | $1,000 | $2,000 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $9,500 | $8,000 |
| Net Savings to Costa Mesa Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Costa Mesa, CA Home Replacement Value MORE than Home Value | Costa Mesa, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $649,000 | $414,500 |
| Insurance Premium based on Replacement Value | $2,000 | $1,275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $131,000 | Risk Exposure from Under Insuring Coverage is $103,500 |
| Premium Impact | Insurance cheaper by $300/year | Insurance costlier by $425/year |
| Insurance Company | State Farm | Liberty Mutual | Nationwide Insurance |
| Monthly Premium | 131 | 52 | 71 |
| Year Built | 1984 | 1977 | 1968 |
| Home Details | 4 Beds, 3 Baths | 2 Beds, 1 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $800000-$900000 | $350000-$400000 | $400000-$500000 |
| Deductible | $5000 to $10,000 Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible |