Costa Mesa Insurance Rates:

Costa Mesa, CA homeowners insurance is roughly $561 to $762, about $46-$63/month. Our thorough guide shows customers can save as much as $264 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would recommend State Farm to others, especially locally. The staff in our agent's office is great to work with. Over all I haven't had any problems with this provider.
Allied Insurance
While we like our representative just fine, we feel that the allied staff, as a whole, seem to lack a level of competence required for working in home insurance. while she responds quickly, it's as if the left hand doesn't know what the right hand is doing, so to peak, and even though we get a response quickly, information changes and the process always goes slowly
State Farm
Things with them have been positive, I don't see any reason to not recommend them. No issues with my policy and they have been nice to me.
it was an easy process to get enrolled and they explained everything well. i have not had a need to use a claim.
State Farm
Their agents provide good customer service, and i feel like they always have my back whenever i need their assistance.
State Farm
Our insurance rate is very good. i do not believe we overpay for our insurance and we are happy with the price.
State Farm
I like the ease of use and ability to file claims with the company. I can pay my bills with ease. I can also connect with my agent and let him know of any problems I have.
Old Republic Home Protection
I unfortunately had a very poor experience with old republic home protection. however, something i did like about them was the fact that they had been providing good after sales service
State Farm
I like the customer service and how efficient the agents are. When we filed a claim, I didn't have any issues getting a check issued or the problem was taken care of. They sent an adjuster out in a timely manner and the check was issued almost immediately.
this home insurance company is very useful for me because this company insurance policy is very attractive so i am happy about this company my rating is 4 out of 5
So far, everything has gone well. The premiums are decent and the coverages are good so hopefully, we will like the service as well.
I dislike that they cannot contact me back when I reach out to them ever. I don't know why they are hard to get a hold of sometimes but it’s okay
Well I have not had them very long and there is nothing I can think of to complain about, however, I did have Farmers insurance and they are outrageously priced.
State Farm
If I could change anything about my insurance company, I would make the rates more competitive. They are on the higher end of the price spectrum.
American National Property And Casualty Company
They are very flexible when discussing non-standard package deals. They are able to be creative and deliver multi-property policies for way less than a lot of the competition.
Farmer's Insurance
I would recommend them because I think they are competitively priced and the service is good. There is no reason that I would not recommend them to family or friends,
I strongly recommend this company to my friends. It will be very useful for them.
I would recommend if you were going to bundle with auto insurance, if not i would say get a quote and work your way from there.
I would recommend this company to my known friends and relatives as it gives a full package at a nominal cost.
There is little I dislike, though the automatic raises in price seem a bit high.
The only thing I would say is to make the online website easy to access and promote an app since I don't even know if they have an app.
Liberty Mutual
they are a reliable company they have always been there when i need them

Costa Mesa, CA Homeowners Insurance By Home Value

Costa Mesa, CA Home Value Total Homes % of Total Average Costa Mesa, CA Homeowners Insurance
Less than $50,000 538 16.0% $26
$50,000 to $59,999 61 1.0% $52
$60,000 to $69,999 45 1.0% $66
$70,000 to $79,999 47 1.0% $79
$100,000 to $124,999 54 1.0% $119
$125,000 to $149,999 37 1.0% $152
$150,000 to $174,999 47 1.0% $178
$175,000 to $199,999 47 1.0% $205
$200,000 to $249,999 145 4.0% $251
$250,000 to $299,999 314 9.0% $304
$300,000 to $399,999 1,808 56.0% $390

Top Home Insurance Agents Near Costa Mesa, CA

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

Costa Mesa, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Costa Mesa, CA

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

Costa Mesa, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Costa Mesa$99 to $101
Fountain Valley$99
Central Coast$103
Newport Beach$109

Costa Mesa, CA Auto & Homeowners Insurance Bundling Discounts

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

Costa Mesa, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Costa Mesa, CA2.0%12.6%
Fountain Valley2.14%12.32%
Central Coast1.72%9.3%
Newport Beach1.51%7.05%

Costa Mesa Renters Insurance as a Percentage of Rent

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

Average Cost Of Home Insurance By Company In Areas Nearby Costa Mesa For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewTokio Marine America313
2500001000NewAAA (Interinsurance Exchange)339
250000500NewHorace Mann P & C461
7500002500NewStillwater Prop & Cas Co786
1500002501-3 YearsCalifornia Casualty429
1500005001-3 YearsHorace Mann237
25000010001-3 YearsPacific Property And Casualty279
25000010001-3 YearsQBE (Balboa)504
25000010001-3 YearsStillwater Ins Co486
50000010001-3 YearsFirst American Ins894
50000010001-3 YearsMercury Ins Group542
2000005004-6 YearsMAPFRE Group528
25000010004-6 YearsHorace Mann P & C493
25000010004-6 YearsState Farm580
2500005004-6 YearsCalifornia Capital587
2500005004-6 YearsWestern Mutual/Residence491
50000025004-6 YearsGeneral Ins509
50000025004-6 YearsTravelers868
1500002507-15 YearsMAPFRE Group578
40000010007-15 YearsUnigard Group990
50000010007-15 YearsAmerican Modern1713
50000025007-15 YearsIntegon/National1298
50000025007-15 YearsUnigard Group1030

Costa Mesa, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

Costa Mesa, CA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Costa Mesa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualNationwide Insurance
Monthly Premium 1315271
Year Built 198419771968
Home Details 4 Beds, 3 Baths2 Beds, 1 Baths3 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

Sample Home Insurance Rates for Costa Mesa, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 460,000 Metal Roof 1,430 2 $500- $1000 Deductible 840 9 Stone Siding yes
1970 470,000 Metal Roof 1,870 5 $500 Deductible 110 1 Fiber-Cement Siding No
1980 425,000 Asphalt Shingles Roof 1,700 3 $500- $1000 Deductible 550 6 Fiber-Cement Siding yes
1998 770,000 Membrane Roof 2,570 5 $500 Deductible 1030 5 Vinyl siding No
1997 1,210,000 Slate Shingles Roof 3,680 5 $2500-$5000 Deductible 1870 12 Fiber-Cement Siding No
1960 1,205,000 Tile Roof 4,120 5 $1000-$2500 Deductible 1250 7 Fiber-Cement Siding No
1985 215,000 Shingles Roof 900 2 $5000 to $10,000 Deductible 140 6 Brick siding No
1996 470,000 Membrane Roof 1,730 2 $2500-$5000 Deductible 860 10 Wood siding No
1968 1,015,000 Wood Shake Roof 3,290 4 $1000-$2500 Deductible 2060 12 Fiber-Cement Siding No
1982 550,000 Shingles Roof 1,970 4 $2500-$5000 Deductible 1690 12 Vinyl siding No
1984 920,000 Wood Shake Roof 2,950 4 $1000-$2500 Deductible 2060 12 Vinyl siding yes
1966 970,000 Tile Roof 4,070 5 $1000-$2500 Deductible 540 3 Stucco siding No
1998 545,000 Wood Shake Roof 1,690 3 $2500-$5000 Deductible 980 12 Stucco siding yes
1989 775,000 Membrane Roof 2,650 4 > $10,000 Deductible 1070 12 Wood siding No
1967 650,000 Metal Roof 2,210 4 > $10,000 Deductible 430 5 Vinyl siding yes
1999 595,000 Asphalt Shingles Roof 2,160 3 $2500-$5000 Deductible 310 3 Brick siding No
1987 825,000 Wood Shake Roof 3,610 5 $2500-$5000 Deductible 1350 9 Stucco siding yes
1976 600,000 Tile Roof 1,900 4 $500- $1000 Deductible 270 2 Stucco siding yes
1971 300,000 Tile Roof 920 2 $1000-$2500 Deductible 440 8 Stucco siding yes
1973 840,000 Composition Roof 3,350 4 $1000-$2500 Deductible 610 3 Vinyl siding No
1985 455,000 Membrane Roof 1,920 3 > $10,000 Deductible 280 6 Vinyl siding No
1991 575,000 Asphalt Shingles Roof 2,270 4 $5000 to $10,000 Deductible 550 7 Vinyl siding No
1989 400,000 Membrane Roof 1,550 3 $500 Deductible 670 6 Stucco siding yes
1983 420,000 Wood Shake Roof 1,710 2 $2500-$5000 Deductible 560 7 Vinyl siding yes
1986 1,065,000 Tile Roof 3,330 4 $500 Deductible 240 1 Wood siding No
1969 335,000 Asphalt Shingles Roof 1,120 2 $500- $1000 Deductible 900 12 Fiber-Cement Siding No
1968 315,000 Composition Roof 1,270 3 $500- $1000 Deductible 270 4 Brick siding yes
1984 485,000 Membrane Roof 1,640 3 $500 Deductible 1430 12 Wood siding yes
1984 940,000 Wood Shake Roof 3,290 5 $5000 to $10,000 Deductible 120 1 Stucco siding yes
1999 625,000 Wood Shake Roof 2,250 3 $2500-$5000 Deductible 130 1 Stucco siding yes
1971 690,000 Shingles Roof 1,828 4 $5000 to $10,000 Deductible 2980 10 Brick siding yes

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