Hermosa Beach Insurance Rates:

Hermosa Beach, CA homeowners insurance is roughly $618 to $835, about $51-$69/month. Our extensive guide indicates shoppers can save as much as $290 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Esurance
I really like esurance's customer service. they are easy to access online or by phone, and if you call, you always get to talk to a human being, not a robot.
State Farm
State farm tends to be more expensive than other companies. even with all of the discounts they provide, it's still not cheap.
State Farm
One thing i like about this insurance company is that they are local to my area, which is very convenient, especially because my schedule can get very busy.
State Farm
I like that State Farm is a good, reputable company that truly cares about their customers. The people who work there seem to care about me and not just my money.
Geico
We have experienced excellent customer service with Geico. The app is easy to use, but if we need to call the customer service line to speak with a representative, we've always had great service.
Travelers
When I was browsing, other insurance companies were a lot more expensive and some did not offer multi discounts.
Progressive
I HAVE NOT HAD MUCH COMMUNICATION WITH MY CARRIER SINCE I HAVE NOT HAD A CLAIM. I THINK I HAVE MAYBE EMAILED AND ASKED QUESTIONS RIGHT AT THE BEGINNING WHEN GETTING THE POLICY AND THEY SEEMED HELPFUL.

Hermosa Beach, CA Homeowners Insurance By Home Value

Hermosa Beach, CA Home Value Total Homes % of Total Average Hermosa Beach, CA Homeowners Insurance
Less than $50,000 20 11.0% $14
$80,000 to $89,999 11 6.0% $58
$90,000 to $99,999 10 5.0% $65
$100,000 to $124,999 17 9.0% $72
$125,000 to $149,999 10 5.0% $94
$150,000 to $174,999 26 14.0% $116
$200,000 to $249,999 14 7.0% $159
$300,000 to $399,999 73 40.0% $247

Top Home Insurance Agents Near Hermosa Beach, CA

Home Insurance Company Near Hermosa Beach, CA Homeowners Insurance Agency Near Hermosa Beach, CA Address
Liberty Mutual Independent Adamson & Mcgoldrick Insurance Solutions 1800 E LAMBERT RD STE 225, BREA, CA, 92821
State Farm Donna Butler 2200 Pch Hwy Ste 103, Hermosa Beach, CA, 90254-2700
Travelers Malone-Ludwig Insurance Services Inc 11421 Carson St., Suite P Lakewood, Long Beach, CA, 90715
Liberty Mutual Manny Rubio 222 N. Sepulveda Blvd Ste 2330, El Segundo, CA, 90245
Liberty Mutual Independent Mutual Insurance Agency 30 N MARENGO AVE, PASADENA, CA, 91101

Hermosa Beach, 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
South Bay Cities CCD, Los Angeles County, California $88 $117 $176
Redondo Beach city, California $85 $113 $170
Manhattan Beach city, California $91 $121 $181

Hermosa Beach, 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
Hermosa Beach, CA1.6%11.2%
South Bay Cities1.64%11.6%
Redondo Beach1.7%11.12%
Manhattan Beach1.51%12.14%

Hermosa Beach Renters Insurance as a Percentage of Rent

Hermosa Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 84 1.0% $1856
$750 to $999 149 2.0% $2606
$1,000 to $1,499 1,376 27.0% $3731
$1,500 or more 3,345 67.0% $5381

Average Cost Of Home Insurance By Company In Areas Nearby Hermosa Beach For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewMetropolitan Direct401
2500001000NewAAA (Interinsurance Exchange)232
4000001000NewCentury National868
7500002500NewAmerican Security1488
7500002500NewEncompass2145
7500002500NewHorace Mann P & C1891
3000005001-3 YearsAmerican Security796
40000010001-3 YearsLiberty Ins Corp752
25000010004-6 YearsAAA (Interinsurance Exchange)379
25000010004-6 YearsTokio Marine America487
2500005004-6 YearsChubb/Federal2414
3000005004-6 YearsWawanesa680
40000010004-6 YearsLiberty Ins Corp907
40000010004-6 YearsSafeco818
75000025004-6 YearsOregon Mutual1517
1500002507-15 YearsCalifornia Capital514
1500005007-15 YearsTokio Marine America390
2000005007-15 YearsUnigard Group1035
25000010007-15 YearsFirst American Ins816
25000010007-15 YearsSafeco546
25000010007-15 YearsUSAA563
3000005007-15 YearsHomesite1238
3000005007-15 YearsQBE (Balboa)873

Hermosa Beach, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Hermosa Beach Homeowner Insurance Premium Example $3,500$3,100
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $28,600$27,400
Net Savings to Hermosa Beach Home Owner from High Deductible Plan $1,200

Hermosa Beach, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hermosa Beach, CA Home Replacement Value MORE than Home Value Hermosa Beach, CA Home Replacement Value LESS than Home Value
Replacement Value $1,049,000 $659,000
Insurance Premium based on Replacement Value $2,825 $1,775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $269,500 Risk Exposure from Under Insuring Coverage is $120,500
Premium Impact Insurance cheaper by $325/year Insurance costlier by $725/year

Example Hermosa Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceChubb Group of InsuranceAllstate
Monthly Premium 65193165
Year Built 197319671988
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $400000-$500000$700000-$800000More than 10000000
Deductible > $10,000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Hermosa Beach, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1979 645,000 Shingles Roof 1,560 2 $2500-$5000 Deductible 190 2 Stone Siding No
1978 850,000 Metal Roof 1,700 3 $5000 to $10,000 Deductible 130 1 Fiber-Cement Siding yes
1982 1,205,000 Shingles Roof 2,340 4 $1000-$2500 Deductible 1150 5 Brick siding No
1962 670,000 Asphalt Shingles Roof 1,630 3 $5000 to $10,000 Deductible 910 7 Stucco siding yes
1982 1,000,000 Tile Roof 2,140 4 $2500-$5000 Deductible 1070 9 Vinyl siding yes
1982 870,000 Metal Roof 1,750 2 $500- $1000 Deductible 920 4 Fiber-Cement Siding yes
1986 695,000 Membrane Roof 1,450 2 $500 Deductible 160 1 Stucco siding yes
1966 580,000 Asphalt Shingles Roof 1,090 2 $2500-$5000 Deductible 190 2 Vinyl siding No
1988 890,000 Shingles Roof 1,950 3 > $10,000 Deductible 810 10 Vinyl siding yes
1998 1,785,000 Membrane Roof 3,310 4 $500- $1000 Deductible 250 1 Brick siding No
1984 1,610,000 Slate Shingles Roof 3,140 4 $1000-$2500 Deductible 1100 6 Fiber-Cement Siding No
1948 490,000 Tile Roof 910 2 $1000-$2500 Deductible 110 1 Vinyl siding yes
1983 1,135,000 Metal Roof 2,290 3 $1000-$2500 Deductible 2000 8 Brick siding yes
1977 785,000 Slate Shingles Roof 1,750 4 $500 Deductible 1020 4 Vinyl siding yes
1944 445,000 Shingles Roof 1,220 2 $2500-$5000 Deductible 230 4 Stone Siding yes
1966 715,000 Composition Roof 1,750 2 > $10,000 Deductible 330 5 Fiber-Cement Siding yes
1980 640,000 Composition Roof 1,480 3 $500- $1000 Deductible 770 5 Vinyl siding yes
1988 1,595,000 Composition Roof 3,090 4 $1000-$2500 Deductible 730 3 Stucco siding yes
1991 820,000 Composition Roof 1,780 3 > $10,000 Deductible 770 9 Wood siding yes
1990 795,000 Composition Roof 1,600 2 $2500-$5000 Deductible 420 4 Wood siding yes
1963 435,000 Wood Shake Roof 1,000 2 $5000 to $10,000 Deductible 680 12 Wood siding No
1994 1,115,000 Composition Roof 3,000 4 $1000-$2500 Deductible 1980 9 Brick siding yes
1973 1,050,000 Tile Roof 2,180 3 $2500-$5000 Deductible 860 5 Wood siding No
1941 1,130,000 Composition Roof 2,110 3 > $10,000 Deductible 550 4 Vinyl siding No
1978 720,000 Metal Roof 1,540 2 $2500-$5000 Deductible 1030 8 Stucco siding No
1942 530,000 Composition Roof 1,020 2 $1000-$2500 Deductible 570 6 Wood siding yes
1972 370,000 Membrane Roof 910 2 $5000 to $10,000 Deductible 120 2 Stucco siding yes
1996 1,190,000 Metal Roof 3,110 4 $500 Deductible 270 1 Wood siding No
1995 440,000 Shingles Roof 900 2 $2500-$5000 Deductible 190 2 Wood siding yes
1988 1,135,000 Shingles Roof 2,290 3 $2500-$5000 Deductible 1220 7 Vinyl siding yes
1989 700,000 Metal Roof 1,480 2 $500 Deductible 2040 8 Wood siding yes