Huntington Beach Insurance Rates:

Huntington Beach, CA homeowners insurance is approximately $568 to $770, about $47-$64/month. Our exhaustive guide shows customers can save as much as $267 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would definitely recommend Progressive for home insurance, or at least for renter's insurance. They keep prices low and their customer service is excellent.
State Farm
I would absolutely recommend State Farm for home insurance. We haven't had any problems with them. I know my family also has used them for years and has always been satisfied.
My insurance company is one of the best. It helps me to manage all of my insurable assets by lumping them all into one policy and payment scheme.
I called around and Progressive was willing to work with me to get me even better coverage for a lower price. I was able to talk to an actual person on the phone and get everything taken care of really quickly.
State Farm
I am extremely satisfied with state farm. I would rate them a 5 out of 5 start. Anytime we have had an issue with our house, they have been more than willing to help with the issue
The premiums are about the same as other companies for the home insurance. The deductible was not changeable on my policy, so it's at 500 dollars currently.
They offer excellent, no pressure customer service. They are very well established and reliable. And they will cover musical instruments and Host Advantage program.
I haven't really had any interaction with them other than when i sign up for the insurance. It was great. i was able to do everything online and it was quick and convenient
State Farm
they offer all of the insurance I need. they offer personal belonging insurance. they also offer insurance for my storage unit,
Farmer's Insurance
I have done quite well with the insurance company
I don't currently have home insurance but I have helped family members with claims for theirs. The insurance company was very friendly and helpful. They answered all questions and helped you to understand what needed to be done.
State Farm
I like state farm because every time i call they are quick to support me and answer all the questions i have.
State Farm
State farm is not up to my expectation. they deny us in many cases and we paid out of our pocket.
State Farm
My insurance company has offices in my community. the community locations allow me to make face-to-face contact with my agent. i can also visit the office to make payments on my accounts or to have questions addressed.
They are always great about communication. Whether I call on the phone or ask questions, they are happy to help and offer tips and valuable information
First American Home Warranty
My home warranty company has an online service request option. i can easily go online and describe my problem and they call within a day to schedule service.
State Farm
Mostly it’s the yearly rate for service. I really wish it could come down a little since it has hiked around 20% in past few years. I know things are happening that they have to cover more but really, beyond a break in which was only around 1k stolen, I haven't really needed it. Maybe one day I’ll switch if it gets too high but right now I’ll stay.
I don't believe there's anything about Allstate that I dislike. I've only been with them for a short time but so far they have been super helpful to me and I haven't had any issues.
Not too much interaction. Mostly I get emails when my premiums are due and any policy changes or amendments.
Liberty Mutual
I really dislike the autopsy for my car insurance. This is the same company as my homeowners. It takes several days to process.
It was cheap and convenient. The mortgage company we went with also did not explain ewgrow accounts. We had no idea we could shop around for home insurance.
The ONLY thing that I feel could use a little bit of work is their website layout. Even if they didn't change it, I'd still be okay with that as I’ve learned how to navigate it. New users may find it a little bit difficult to use at first. If they made their website easier to navigate, I would literally have nothing negative to say about them whatsoever.
It was all done with the Allstate app and settlement of my claim was so fast. There were several follow up calls to make sure that we were happy with repairs and also updates along the way to make sure that we knew how long something was going to take and keep us informed.
I like about this company is the friendly people, the quick response and the caring nature that they put out there.
Amica Mutual Insurance
There is nothing which I dislike about this company, They asked for each and every document which are required to get the insurance.
I dislike having to pay when I am not in accidents very often, but this is the nature of the beast with any insurance company, not really anything else to dislike.
I like the efficiency of their online system. I like the amount of information and resources on their webpage. To the extent that I deal with humans they've been pleasant and professional.
I would and have recommended this company to many others. I think they have reasonable costs and good coverage.
I dislike how it seems unorganized, how sometimes they seem rude. I also dislike that when they come to do the adjustment they don't take into the full amount it takes to fix a roof so I'm not even breaking even.
The premium and deductible are reasonable compared to other companies. Besides, they offer earthquake insurance which is a plus for home owner.
I like the kind overall, they have been very helpful and after the long period of time, my insurance has become much cheaper than when I originally bought it. I think customer service is fantastic and easy to contact.
State Farm
They offer what we need at a price that is competitive while benefiting the community that we live in. The payments we make go to someone here in town.

Huntington Beach, CA Homeowners Insurance By Home Value

Huntington Beach, CA Home Value Total Homes % of Total Average Huntington Beach, CA Homeowners Insurance
Less than $50,000 939 11.0% $20
$50,000 to $59,999 513 6.0% $53
$60,000 to $69,999 263 3.0% $66
$70,000 to $79,999 182 2.0% $73
$80,000 to $89,999 170 2.0% $86
$90,000 to $99,999 106 1.0% $93
$100,000 to $124,999 401 4.0% $113
$125,000 to $149,999 268 3.0% $140
$150,000 to $174,999 278 3.0% $167
$175,000 to $199,999 225 2.0% $194
$200,000 to $249,999 1,000 12.0% $234
$250,000 to $299,999 1,241 15.0% $287
$300,000 to $399,999 2,632 32.0% $361

Top Home Insurance Agents Near Huntington Beach, CA

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

Huntington Beach, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Huntington Beach, CA

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

Huntington Beach, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Huntington Beach$100 to $102
North Coast$99
Midway City$93

Huntington 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
North Coast CCD, Orange County, California $83 $110 $165
Fountain Valley city, California $83 $111 $166
Midway City CDP, California $78 $104 $156

Huntington 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
Huntington Beach, CA2.0%10.7%
North Coast2.07%11.68%
Fountain Valley2.14%12.32%
Midway City2.66%17.1%

Huntington Beach Renters Insurance as a Percentage of Rent

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

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewQBE (Balboa)476
2500001000NewAmerican Security381
300000500NewStillwater Prop & Cas Co540
7500002500NewLiberty Ins Corp1016
2000005001-3 YearsForemost Insurance734
25000010001-3 YearsUSAA502
50000010001-3 YearsPacific Specialty1156
50000025001-3 YearsStillwater Ins Co598
50000025001-3 YearsWestern Mutual/Residence691
1500002504-6 YearsTokio Marine America324
2000005004-6 YearsMAPFRE Group548
25000010004-6 YearsAmica Mutual697
25000010004-6 YearsHartford (Sentinel)703
25000010004-6 YearsStillwater Ins Co550
3000005004-6 YearsHomesite741
1500002507-15 YearsTokio Marine America395
2500005007-15 YearsIDS Property Casualty930

Huntington Beach, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

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

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

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

Insurance Company Amica Mutual Insurance CompanyFarmers InsuranceNationwide Insurance
Monthly Premium 82106102
Year Built 199019741980
Home Details 4 Beds, 2 Baths5 Beds, 3 Baths3 Beds, 2 Baths
Coverage Amount $400000-$500000$500000-$600000$350000-$400000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Huntington 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
1983 330,000 Wood Shake Roof 1,170 2 > $10,000 Deductible 270 6 Vinyl siding No
1983 455,000 Shingles Roof 1,640 4 $2500-$5000 Deductible 800 8 Stone Siding No
1988 710,000 Tile Roof 1,990 3 $2500-$5000 Deductible 720 6 Brick siding No
1990 655,000 Wood Shake Roof 2,120 3 $500- $1000 Deductible 1300 7 Wood siding yes
1970 420,000 Membrane Roof 1,750 3 $2500-$5000 Deductible 570 8 Wood siding yes
1996 805,000 Shingles Roof 2,580 5 $1000-$2500 Deductible 150 1 Wood siding No
1982 600,000 Metal Roof 2,090 5 $2500-$5000 Deductible 550 5 Stucco siding No
1998 620,000 Membrane Roof 2,470 5 $500- $1000 Deductible 160 1 Stone Siding No
1981 355,000 Slate Shingles Roof 1,210 3 $500- $1000 Deductible 360 7 Stucco siding yes
1971 555,000 Composition Roof 1,620 5 > $10,000 Deductible 960 12 Wood siding No
1998 715,000 Membrane Roof 2,360 5 $2500-$5000 Deductible 450 5 Wood siding No
1979 425,000 Composition Roof 1,680 3 $500 Deductible 1080 9 Brick siding No
1990 935,000 Composition Roof 3,290 4 $2500-$5000 Deductible 940 5 Stucco siding yes
1982 850,000 Membrane Roof 3,210 4 $1000-$2500 Deductible 1640 10 Fiber-Cement Siding No
1992 885,000 Asphalt Shingles Roof 2,490 5 $500 Deductible 1140 6 Fiber-Cement Siding No
1981 425,000 Membrane Roof 1,370 3 $5000 to $10,000 Deductible 540 9 Stone Siding yes
1986 585,000 Wood Shake Roof 2,280 5 $1000-$2500 Deductible 940 9 Stucco siding No
1977 1,620,000 Wood Shake Roof 4,690 5 $5000 to $10,000 Deductible 1310 7 Stucco siding No
1981 465,000 Membrane Roof 1,660 2 $5000 to $10,000 Deductible 230 3 Wood siding No
1985 785,000 Shingles Roof 3,070 4 $2500-$5000 Deductible 1130 9 Stucco siding yes
1973 700,000 Composition Roof 2,240 3 $500- $1000 Deductible 1160 9 Wood siding No
1981 805,000 Tile Roof 2,810 4 $2500-$5000 Deductible 1420 8 Wood siding No
1980 490,000 Wood Shake Roof 1,600 2 $2500-$5000 Deductible 310 3 Brick siding No
1979 260,000 Tile Roof 1,080 2 $500- $1000 Deductible 60 1 Stone Siding yes
1977 575,000 Membrane Roof 2,320 3 $500- $1000 Deductible 1170 10 Stone Siding No
1978 1,365,000 Asphalt Shingles Roof 3,840 5 $500 Deductible 1160 4 Wood siding No
1972 595,000 Metal Roof 2,290 4 > $10,000 Deductible 520 7 Brick siding yes
1975 480,000 Tile Roof 1,850 3 $5000 to $10,000 Deductible 580 9 Vinyl siding yes
1981 560,000 Composition Roof 1,690 4 > $10,000 Deductible 780 7 Fiber-Cement Siding yes
1990 670,000 Tile Roof 2,400 4 $1000-$2500 Deductible 620 6 Stucco siding yes
1971 715,000 Metal Roof 1,680 4 > $10,000 Deductible 310 1 Wood siding yes

How To Make Your Huntington Beach, CA Home Insurance Cheaper

How Much Does Huntington Beach, CA Home Insurance Cost?