Irvine Insurance Rates:

Irvine, CA homeowners insurance is about $569 to $772, about $47-$64/month. Our extensive analysis indicates shoppers can save as much as $268 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Stillwater Insurance Group
By making the transition from a competitor to his carrier it was very simple and easy to move my policies.
State Farm
Not including our agent but i have spoken on the phone with two different agents that were very rude and short with me.
Old Republic Home Protection
The truth i had a very negative experience with my home warranty through the old republic home protection. within a few months of purchasing my very first home, my downstairs toilet had a plumbing problem and flooded most of the first floor in my house after taking a shower. i immediately contacted the old republic to have them send somebody out to fix the issue. they sent out a plumber who apparently couldn't find the main cleanout to fix the clog in the plumbing. the plumber told me he fixed the issue by using a secondary clean out to unclog the pipes. the water backup issue seemed to be fixed until three days later when again, the water backed up after taking another shower and flooded the first floor yet again! i called the old republic once again, but they told me that because it was a holiday weekend, that i would need to wait until monday to have somebody come out to my house. it was friday late afternoon when this took place, so you could imagine my frustration. i ended up having to call a local plumber to come fix the issue the next day as i have a two-year-old child and having sewer water backing up into my house is downright dangerous. the plumber told me that he had to remove the downstairs toilet to fix the clog in the pipes. it only took him approximately 20 minutes to finish the job, but i had to pay around $350 out of pocket. when i called the old republic to ask to be reimbursed for the plumbing job, they not only denied my request, they told me that i owed them $60 for the deductible when they sent the original plumber out to my house!
State Farm
The company’s customer service department is awesome. They were very helpful when I had to file a claim quickly after hurricane Matthew.
Esurance
They don't have a physical office. if i am to have an issue, i'd like to talk to someone in person and not on the phone or internet.
Metlife
I have been with them 29 years. Always professional, never a hassle. I have never had an argument with them and never felt discouraged with them.
State Farm
I don't really dislike anything about the company. They are pushing to become more automated but so is everyone else. For now they still feel like they "know" me and that's what matters.
State Farm
I like most everything about my insurance company. They are helpful, convenient and diligent. The only thing that I don't like is the cost of insurance but they are not higher than other companies.
State Farm
I am somewhat dissatisfied lately with my carrier. My service is not as personalized as it used to be. I would be willing to switch companies if I found a better rate.
State Farm
The website is easy to access and easy to use. The tabs are conveniently located. The appearance is bright and friendly.
State Farm
Sometimes my agent takes a bit to get back to me. But I understand she's probably busy with other clients.
Progressive
They seem fine, but I don't feel like I am able to really evaluate them until I have to deal with a claim. But they payment process was really easy.
Mercury
I like the app, the communication, and the customer services, it is really close to my house and for me is affordable too.
Allstate
I like the company Allstate overall because the claims process was pretty easy. I called to find out my claim wasn't assigned to an adjuster, once we were assigned an adjuster he came out to the house within that next week and cut us a check on the spot to go towards repairs.

Irvine, CA Homeowners Insurance By Home Value

Irvine, CA Home Value Total Homes % of Total Average Irvine, CA Homeowners Insurance
Less than $50,000 143 2.0% $20
$60,000 to $69,999 137 2.0% $67
$70,000 to $79,999 84 1.0% $73
$80,000 to $89,999 122 2.0% $87
$100,000 to $124,999 160 2.0% $113
$125,000 to $149,999 127 2.0% $140
$150,000 to $174,999 178 3.0% $167
$175,000 to $199,999 103 1.0% $194
$200,000 to $249,999 590 10.0% $227
$250,000 to $299,999 948 16.0% $281
$300,000 to $399,999 3,201 54.0% $361

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

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

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%
Tustin1.91%9.73%

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

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
250000500NewKemper603
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
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

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

Sample Home Insurance Rates for Irvine, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 660,000 Metal Roof 1,970 4 $5000 to $10,000 Deductible 1390 12 Brick siding yes
1982 575,000 Slate Shingles Roof 1,930 4 $1000-$2500 Deductible 1040 9 Stone Siding yes
2000 680,000 Asphalt Shingles Roof 2,360 4 $500 Deductible 1810 10 Fiber-Cement Siding yes
1981 1,615,000 Slate Shingles Roof 4,810 5 $500 Deductible 600 3 Vinyl siding No
1996 425,000 Asphalt Shingles Roof 1,740 3 $1000-$2500 Deductible 940 10 Vinyl siding yes
2002 915,000 Shingles Roof 2,660 4 $1000-$2500 Deductible 1130 7 Fiber-Cement Siding No
2010 435,000 Tile Roof 1,510 3 $500- $1000 Deductible 80 1 Wood siding yes
2009 325,000 Composition Roof 1,300 2 $1000-$2500 Deductible 360 4 Stone Siding yes
1998 1,055,000 Composition Roof 3,180 4 $2500-$5000 Deductible 2120 10 Stone Siding No
1989 870,000 Membrane Roof 2,860 4 $5000 to $10,000 Deductible 950 6 Fiber-Cement Siding yes
2008 480,000 Slate Shingles Roof 1,940 5 $2500-$5000 Deductible 610 7 Fiber-Cement Siding yes
2012 495,000 Metal Roof 1,710 5 $5000 to $10,000 Deductible 1220 12 Brick siding yes
1988 365,000 Slate Shingles Roof 1,240 3 $500 Deductible 250 3 Brick siding yes
1998 935,000 Shingles Roof 2,700 4 $1000-$2500 Deductible 2350 12 Vinyl siding No
1985 955,000 Shingles Roof 3,230 4 $2500-$5000 Deductible 500 3 Vinyl siding yes
2014 1,110,000 Wood Shake Roof 3,130 4 $500 Deductible 1700 6 Stone Siding No
2013 445,000 Slate Shingles Roof 1,550 5 $1000-$2500 Deductible 880 9 Fiber-Cement Siding No
2005 270,000 Slate Shingles Roof 1,030 2 $2500-$5000 Deductible 170 3 Vinyl siding No
1993 425,000 Shingles Roof 1,360 2 $5000 to $10,000 Deductible 920 12 Stucco siding yes
1983 920,000 Wood Shake Roof 2,550 4 $1000-$2500 Deductible 720 6 Fiber-Cement Siding yes
1985 625,000 Slate Shingles Roof 1,775 3 $500- $1000 Deductible 760 5 Brick siding yes