Huntington Beach ,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 Huntington Beach, 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 Huntington Beach, CA is $1432. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Huntington Beach, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Huntington Beach, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $573 |
| $200,000 | $974 |
| $300,000 | $1,203 |
| $400,000 | $1,833 |
| $500,000 | $2,306 |
Home insurance costs in Huntington Beach can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 092648 | $1,393 |
| 92649 | $1,370 |
| 92646 | $1,354 |
| 92647 | $1,350 |
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 Huntington Beach, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,468 |
| $1000 Deductible | $1,313 |
| $1500 Deductible | $1,239 |
| $2500 Deductible | $1,117 |
| $5000 Deductible | $945 |
| Home Insurance Company Near Huntington Beach, CA | Homeowners Insurance Agency Near Huntington Beach, CA | Address |
|---|---|---|
| State Farm | John Diehl | 835 E Mariposa St, Altadena, CA, 91001-2420 |
| Farmers | John Portaro | 3030 E Colorado Blvd Ste 203, Pasadena, CA, 91107 |
| Allstate | Joilyn Hanley | 5520 E 2Nd St Ste A, Long Beach, CA, 90803 |
| State Farm | Mike Powers | 10850 Hole Ave Ste A, Riverside, CA, 92505-2700 |
| Farmers | Roger Thomas | 19562 Ventura Blvd Ste 216, Tarzana, CA, 91356 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| North Coast CCD, Orange County, California | $83 | $110 | $165 |
| Fountain Valley city, California | $83 | $111 | $166 |
| Midway City CDP, California | $78 | $104 | $156 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Huntington Beach, CA | 2.0% | 10.7% |
| North Coast | 2.07% | 11.68% |
| Fountain Valley | 2.14% | 12.32% |
| Midway City | 2.66% | 17.1% |
| Huntington Beach Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 319 | 1.0% | $762 |
| $300 to $499 | 327 | 1.0% | $1212 |
| $500 to $749 | 377 | 1.0% | $1887 |
| $750 to $999 | 1,382 | 4.0% | $2637 |
| $1,000 to $1,499 | 11,149 | 38.0% | $3762 |
| $1,500 or more | 15,432 | 53.0% | $5412 |
| Streets in Huntington Beach Area | Homeowners Insurance Cost |
|---|---|
| Saltwater Cir, Encino Cir, Venus Dr, Via Carona Dr, Vintage Ln, Villanova Cir, Industry Way, Vista Bahia Dr, Beachcomber Dr, Amalia Ln | $674 |
| Fiji Ln, Sandra Ln, Poppy Hill Dr, Cape Coral Ln, Regency Dr, Oceanport Ln, Rushmoor Ln, Calle Parque Dr, Rebel Cir, Seine Dr | $None |
| Gold Cir, Maui Cir, Lockhaven Cir, Zamora Ln, Dellglen Cir, Libra Cir, Trout St, Enterprise Ln, Highland Ln, Toledo Ct | $673 |
| Randi Ln, Kingswood Ln, Artista Dr, Tarpon Dr, Cieza Cir, Jean Dr, Utica Ave, Tidewater Cir, Cortside Cir, Eden St | $639 |
| Bridgewater Dr, Meer Cir, Dollar Dr, Lemontree Ln, Tideland Ln, Calneva Ln, Berlark Cir, Five Harbors Dr, Kampen Ln, Oldglen Ln | $632 |
| Canterbury Dr, Bass Dr, Seahorse Ln, Nile Cir, Oceanus Dr, Lotus Ln, Dovewood Dr, Quintana Ln, Oakgrove Cir, Bonnie Dr | $653 |
| Autopark Dr, Tamarisk Cir, de Ville Cir, Steeplechase Cir, Charleyville Cir, Chance Cir, Barber St, Preakness Dr, San Doval Ln, Tyrone Cir | $683 |
| Burnham Cir, Salmon Ln, Lurline Dr, Georgia St, Santa Irene St, Park Path Dr, Potter Cir, Lochlea Ln, Colonial Cir, Palo Alto Dr | $688 |
| Triton Ln, Business Dr, Sinclair Ln, Zeider Ln, Rhine Cir, Trophy Dr, Halawa Dr, Sandalwood Cir, Flower Ln, Rumsey Ln | $654 |
| Edgebrook Ln, Nordina Dr, Bay Crest Cir, Fox Cir, Breda Ln, Bell Cir, Mount Demeter Cir, Shadow Ln, Wenlock Cir, Stone Cir | $679 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Huntington Beach | $100 to $102 |
| North Coast | $99 |
| Midway City | $93 |
| Westminster | $96 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Homesite | 486 |
| 200000 | 500 | New | Grange | 442 |
| 200000 | 500 | New | QBE (Balboa) | 476 |
| 250000 | 1000 | New | American Security | 381 |
| 300000 | 500 | New | Stillwater Prop & Cas Co | 540 |
| 750000 | 2500 | New | Liberty Ins Corp | 1016 |
| 200000 | 500 | 1-3 Years | Foremost Insurance | 734 |
| 250000 | 1000 | 1-3 Years | USAA | 502 |
| 500000 | 1000 | 1-3 Years | Pacific Specialty | 1156 |
| 500000 | 2500 | 1-3 Years | Stillwater Ins Co | 598 |
| 500000 | 2500 | 1-3 Years | Western Mutual/Residence | 691 |
| 150000 | 250 | 4-6 Years | Tokio Marine America | 324 |
| 200000 | 500 | 4-6 Years | MAPFRE Group | 548 |
| 250000 | 1000 | 4-6 Years | Amica Mutual | 697 |
| 250000 | 1000 | 4-6 Years | Hartford (Sentinel) | 703 |
| 250000 | 1000 | 4-6 Years | Stillwater Ins Co | 550 |
| 300000 | 500 | 4-6 Years | Homesite | 741 |
| 150000 | 250 | 7-15 Years | Tokio Marine America | 395 |
| 250000 | 500 | 7-15 Years | IDS Property Casualty | 930 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,200 | $2,200 |
| Yearly Huntington Beach Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $1,200 | $2,200 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,400 | $7,800 |
| Net Savings to Huntington Beach Home Owner from High Deductible Plan | $600 | |
| Scenario | Huntington Beach, CA Home Replacement Value MORE than Home Value | Huntington Beach, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $630,500 | $382,500 |
| Insurance Premium based on Replacement Value | $2,025 | $1,225 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $156,500 | Risk Exposure from Under Insuring Coverage is $91,500 |
| Premium Impact | Insurance cheaper by $300/year | Insurance costlier by $500/year |
| Insurance Company | Amica Mutual Insurance Company | Farmers Insurance | Nationwide Insurance |
| Monthly Premium | 82 | 106 | 102 |
| Year Built | 1990 | 1974 | 1980 |
| Home Details | 4 Beds, 2 Baths | 5 Beds, 3 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $400000-$500000 | $500000-$600000 | $350000-$400000 |
| Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible | $500- $1000 Deductible |