Irvine ,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 Irvine, 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 Irvine, CA is $1444. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Irvine, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Irvine, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $578 |
| $200,000 | $982 |
| $300,000 | $1,213 |
| $400,000 | $1,848 |
| $500,000 | $2,325 |
Home insurance costs in Irvine 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 |
|---|---|
| 092602 | $1,381 |
| 92620 | $1,392 |
| 92606 | $1,363 |
| 92614 | $1,349 |
| 92604 | $1,355 |
| 92612 | $1,349 |
| 92618 | $1,388 |
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 Irvine, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,481 |
| $1000 Deductible | $1,324 |
| $1500 Deductible | $1,249 |
| $2500 Deductible | $1,126 |
| $5000 Deductible | $953 |
| Home Insurance Company Near Irvine, CA | Homeowners Insurance Agency Near Irvine, CA | Address |
|---|---|---|
| State Farm | Bele Nguyen | 16145 Brookhurst St, Fountain Vly, CA, 92708-1549 |
| Allstate | Gerrold Burk | 2129 E Florida Ave, Hemet, CA, 92544 |
| Farmers | Karin Size | 24661 Del Prado Ste 2, Dana Point, CA, 92629 |
| State Farm | Kevin Kuwae | 18533 S Western Avenue, Gardena, CA, 90248-3830 |
| Travelers | Ron Young Insurance Agency | 220 S GLENOAKS BLVD, BURBANK, CA, 91502 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Orange County, California | $82 | $109 | $163 |
| Irvine-Lake Forest CCD, Orange County, California | $83 | $111 | $166 |
| Tustin city, California | $81 | $108 | $162 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Irvine, CA | 1.9% | 9.1% |
| Orange County | 2.01% | 10.69% |
| Irvine-Lake Forest | 1.96% | 9.3% |
| Tustin | 1.91% | 9.73% |
| Irvine Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 675 | 1.0% | $1212 |
| $500 to $749 | 1,242 | 3.0% | $1887 |
| $750 to $999 | 1,352 | 3.0% | $2637 |
| $1,000 to $1,499 | 5,684 | 14.0% | $3762 |
| $1,500 or more | 28,558 | 75.0% | $5412 |
| Streets in Irvine Area | Homeowners Insurance Cost |
|---|---|
| Cabrini, Carver, Winterfield Way, Cmt Salado, Bridgeway St, Banyan, Commercenter Dr, Vermillion, Malaga St, Orleans Cir | $662 |
| Sandstone, Oak Canyon, Manchester Way, Los Trancos Dr, Cantora, Sunnyhill, Franciscan St, Ashbourne Rd, Cartier Aisle, Silver Cres | $672 |
| Figaro, Acacia Tree Ln, Santa Luzia Aisle, Geranium, Hemmingway Ave, Hillsboro Pl, Palmwood, Sterling, Waverly Ln, E Trenton | $643 |
| Belmez, Monticello, Eiffel Cir, Revere, Cll Madris, Forsythe Way, Spring Valley, Villager, Sandfield Pl, Stearns | $678 |
| Mosher Ave, la Quinta, San Marino, Pebble, Miramonte Ct, Deer Spring, Brookmont, Cmt Tecate, Reynolds Ave, Waterman | $646 |
| Cmt Nicosia, Miro Ct, Henna, Golden Glen St, Graham Dr, Sylvan, Ridge Valley, Cll Florera, Forest Hill, Lake Rd | $664 |
| Weathervane, Hidden Brook, Russell Pl, Corriente, Santa Barbara Ct, Blue Spruce, Goshen, Majorca Ave, Petersburg, Corinthian Way | $698 |
| Butler St, Silverwood, Civic Center Plz, Field, Compass Rose Way, Bell, Shamrock Rd, Colonna, Declaration Pl, Flores | $667 |
| Bonsall, Santa Vittoria Dr, Pso Verdura, Buckthorn, Berkshire Pl, Giotto, New Dawn, Browning, Cherokee, Moya | $633 |
| Nau Ave, Lost River Ct, Means, Foxchase, Bonvue Ter, Paloma, Altura, Lexington St, Via Alicante, Asbury | $686 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Irvine | $100 to $102 |
| Orange County | $97 |
| Irvine-Lake Forest | $99 |
| Laguna Woods | $90 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 250000 | 1000 | New | CSE Safeguard | 515 |
| 250000 | 500 | New | CSE Safeguard | 583 |
| 250000 | 500 | New | First American Ins | 482 |
| 250000 | 500 | New | IDS Property Casualty | 609 |
| 250000 | 500 | New | Kemper | 603 |
| 250000 | 500 | New | Pacific Specialty | 535 |
| 300000 | 500 | New | American Security | 533 |
| 300000 | 500 | New | Bankers Standard | 1581 |
| 400000 | 1000 | New | QBE (Balboa) | 664 |
| 500000 | 1000 | New | Foremost Insurance | 1813 |
| 500000 | 2500 | New | Liberty Ins Corp | 750 |
| 500000 | 2500 | New | Pacific Specialty | 770 |
| 750000 | 2500 | New | AIG Prop Cas | 1874 |
| 750000 | 2500 | New | MAPFRE Group | 1002 |
| 150000 | 500 | 1-3 Years | Foremost Insurance | 598 |
| 750000 | 2500 | 1-3 Years | American Modern | 2175 |
| 150000 | 500 | 4-6 Years | Kemper | 548 |
| 250000 | 1000 | 4-6 Years | Grange | 606 |
| 250000 | 1000 | 4-6 Years | Privilege Underwriters Exch | 1083 |
| 250000 | 500 | 4-6 Years | AAA (Interinsurance Exchange) | 649 |
| 400000 | 1000 | 4-6 Years | Amco | 914 |
| 400000 | 1000 | 4-6 Years | Hartford (Sentinel) | 884 |
| 500000 | 1000 | 4-6 Years | California Capital | 1061 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $2,700 |
| Yearly Irvine Homeowner Insurance Premium Example | $1,900 | $1,700 |
| Out of Pocket Expense During Claim | $1,700 | $2,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $16,900 | $16,300 |
| Net Savings to Irvine Home Owner from High Deductible Plan | $600 | |
| Scenario | Irvine, CA Home Replacement Value MORE than Home Value | Irvine, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $983,000 | $660,500 |
| Insurance Premium based on Replacement Value | $2,550 | $1,725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $126,000 | Risk Exposure from Under Insuring Coverage is $196,500 |
| Premium Impact | Insurance cheaper by $500/year | Insurance costlier by $325/year |
| Insurance Company | Liberty Mutual | Nationwide Insurance | Travelers |
| Monthly Premium | 66 | 140 | 117 |
| Year Built | 2007 | 1981 | 1994 |
| Home Details | 3 Beds, 2 Baths | 5 Beds, 4 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $400000-$500000 | More than 10000000 | $400000-$500000 |
| Deductible | $2500-$5000 Deductible | > $10,000 Deductible | $500- $1000 Deductible |