Huntington Beach Insurance Rates:

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.

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Home Insurance Companies in Huntington Beach, CA: Customer-Reviewed Options


Huntington Beach, CA Homeowners Insurance Rates by Coverage Level

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


Huntington Beach, CA Homeowners Insurance Rates by ZIP Code

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


Huntington Beach, CA Homeowners Insurance Deductibles

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



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


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

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

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