Irvine Insurance Rates:

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.

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Home Insurance Companies in Irvine, CA: Customer-Reviewed Options


Irvine, CA Homeowners Insurance Rates by Coverage Level

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


Irvine, CA Homeowners Insurance Rates by ZIP Code

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


Irvine, 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 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



Top Home Insurance Agents Near Irvine, CA

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

Irvine, CA Home Insurance Agents for Top Companies


Irvine, 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
Orange County, California $82 $109 $163
Irvine-Lake Forest CCD, Orange County, California $83 $111 $166
Tustin city, California $81 $108 $162


Irvine, 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
Irvine, CA1.9%9.1%
Orange County2.01%10.69%
Irvine-Lake Forest1.96%9.3%

Irvine Renters Insurance as a Percentage of Rent

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

Cost Of Homeowners Insurance By Street Near Irvine, CA

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

Irvine, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Irvine$100 to $102
Orange County$97
Irvine-Lake Forest$99
Laguna Woods$90

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewCSE Safeguard515
250000500NewCSE Safeguard583
250000500NewFirst American Ins482
250000500NewIDS Property Casualty609
250000500NewPacific Specialty535
300000500NewAmerican Security533
300000500NewBankers Standard1581
4000001000NewQBE (Balboa)664
5000001000NewForemost Insurance1813
5000002500NewLiberty Ins Corp750
5000002500NewPacific Specialty770
7500002500NewAIG Prop Cas1874
7500002500NewMAPFRE Group1002
1500005001-3 YearsForemost Insurance598
75000025001-3 YearsAmerican Modern2175
1500005004-6 YearsKemper548
25000010004-6 YearsGrange606
25000010004-6 YearsPrivilege Underwriters Exch1083
2500005004-6 YearsAAA (Interinsurance Exchange)649
40000010004-6 YearsAmco914
40000010004-6 YearsHartford (Sentinel)884
50000010004-6 YearsCalifornia Capital1061


Irvine, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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


Irvine, CA Home Insurance Costs With Home Replacement Value Scenarios

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


Example Irvine Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualNationwide InsuranceTravelers
Monthly Premium 66140117
Year Built 200719811994
Home Details 3 Beds, 2 Baths5 Beds, 4 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000More than 10000000$400000-$500000
Deductible $2500-$5000 Deductible> $10,000 Deductible$500- $1000 Deductible