Long 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 Long 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 Long Beach, CA is $1379. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Long Beach, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Long Beach, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $552 |
| $200,000 | $938 |
| $300,000 | $1,158 |
| $400,000 | $1,765 |
| $500,000 | $2,220 |
Home insurance costs in Long 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 |
|---|---|
| 090803 | $1,384 |
| 90814 | $1,337 |
| 90815 | $1,329 |
| 90808 | $1,330 |
| 90813 | $1,267 |
| 90805 | $1,276 |
| 90802 | $1,274 |
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 Long Beach, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,414 |
| $1000 Deductible | $1,265 |
| $1500 Deductible | $1,193 |
| $2500 Deductible | $1,076 |
| $5000 Deductible | $910 |
| Home Insurance Company Near Long Beach, CA | Homeowners Insurance Agency Near Long Beach, CA | Address |
|---|---|---|
| NA | Financial Guaranty Insurance Brokers, Inc. | 709 East Colorado Blvd #230, Pasadena, CA, 91101 |
| Allstate | Erica Pompa Lewis | 1450 W 6Th St Ste 107, Corona, CA, 92882 |
| Farmers | Lilia Zeinali | 9931 Commerce Ave, Tujunga, CA, 91042 |
| Allstate | Patricia Jackson | 7941 Valley View St, La Palma, CA, 90623 |
| Allstate | Samuel A. Gonzales | 11401 Carson St Ste K, Lakewood, CA, 90715 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Signal Hill city, California | $95 | $126 | $189 |
| Long Beach-Lakewood CCD, Los Angeles County, California | $95 | $127 | $191 |
| Lakewood city, California | $95 | $127 | $191 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Long Beach, CA | 2.2% | 12.4% |
| Signal Hill | 2.06% | 8.56% |
| Long Beach-Lakewood | 2.25% | 13.05% |
| Lakewood | 2.29% | 15.63% |
| Long Beach Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 1,942 | 2.0% | $779 |
| $300 to $499 | 2,750 | 2.0% | $1229 |
| $500 to $749 | 8,897 | 9.0% | $1904 |
| $750 to $999 | 24,441 | 26.0% | $2654 |
| $1,000 to $1,499 | 35,944 | 38.0% | $3779 |
| $1,500 or more | 19,344 | 20.0% | $5429 |
| Streets in Long Beach Area | Homeowners Insurance Cost |
|---|---|
| Virgil Walk, E Nardo Ct, E Thompson St, Pali Dr, E Anaheim Rd, Ionia Walk, E Cervato St, W Cypress Ct, Virginia Vis, E Bort St | $735 |
| N Loreta Walk, E Anaheim Rd, Vuelta Grande Ave, E 208th St, N del Mar Ave, E Oleta St, E Marita St, E Killdee St, 67th St, W Bronce Way | $697 |
| 43rd Pl, S 52nd Pl, S 18th Pl, N Pacific Pl, N Bryant Rd, E Theresa St, E Appian Way, Damar St, Pomona Ave, N Cordova Walk | $695 |
| Biona Ct, Lomina Ave, N Palermo Walk, E Janice St, S 63rd Pl, 58th Pl, N Solano Ct, W 67th Way, Ferro Ct, Volk Ave | $612 |
| N Alamitos Ave, E Via Barola, Gardner St, N Waite Ct, N Harbor Ave, E Sheri Ln, E Bixby Hill Rd, Pittsfield Ct, Carroll Park N, E Mountain View St | $677 |
| N Park Cir, N College Cir, W Cobre Way, Moonstone, N Country Club Dr, E Atlas Way, Signal Pointe, Margo Ave, E la Dera Dr, Keel Ct | $615 |
| 64th Pl, E Mountain View St, N Tulane Ave, E Forhan St, Stearnlee Ave, Netherly Ave, W Cobre Way, S Hart Pl, N Rafael Walk, Blue Cavern Pt | $654 |
| E Cameron Pl, E Marina Dr, N College Pl, Brook Ave, E Saint Irmo Walk, E Washington St, S Termino Ave, Catalina Dr, Bixby Station Rd, S 71st Pl | $627 |
| College Park Dr, E Mezzanine Way, N Temple Ave, San Marco Dr, E Patterson St, E Hungerford St, Beechley Ave, E Flagstone St, E Phillips St, Granada Ct | $650 |
| Gundry Ct, E Livingston Dr, E la Cara St, E Scott St, W Lincoln St, Winslow Ave, E 221st Pl, W Trafford St, E Poinsettia St, Magnolia Rd | $611 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Long Beach | $95 to $97 |
| Signal Hill | $94 |
| Long Beach-Lakewood | $95 |
| Rossmoor | $104 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Homesite | 729 |
| 250000 | 1000 | New | Integon/National | 663 |
| 300000 | 500 | New | CSE Safeguard | 574 |
| 300000 | 500 | New | Oregon Mutual | 530 |
| 300000 | 500 | New | Travelers | 484 |
| 400000 | 1000 | New | Homesite | 1181 |
| 500000 | 1000 | New | Stillwater Ins Co | 677 |
| 150000 | 250 | 1-3 Years | Metropolitan Direct | 383 |
| 150000 | 500 | 1-3 Years | Chubb/Federal | 850 |
| 250000 | 500 | 1-3 Years | Wawanesa | 575 |
| 300000 | 500 | 1-3 Years | Grange | 787 |
| 300000 | 500 | 1-3 Years | MAPFRE Group | 587 |
| 500000 | 1000 | 1-3 Years | Wawanesa | 955 |
| 150000 | 500 | 4-6 Years | California Capital | 397 |
| 200000 | 500 | 4-6 Years | Tokio Marine America | 410 |
| 200000 | 500 | 4-6 Years | Western Mutual/Residence | 482 |
| 250000 | 1000 | 4-6 Years | Wawanesa | 571 |
| 250000 | 500 | 4-6 Years | Farmers (Fire Ins) | 1101 |
| 300000 | 500 | 4-6 Years | Grange | 877 |
| 400000 | 1000 | 4-6 Years | Foremost Insurance | 1742 |
| 400000 | 1000 | 4-6 Years | Grange | 1015 |
| 150000 | 500 | 7-15 Years | Universal North America | 478 |
| 300000 | 500 | 7-15 Years | Encompass | 1220 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $3,500 |
| Yearly Long Beach Homeowner Insurance Premium Example | $1,300 | $900 |
| Out of Pocket Expense During Claim | $1,500 | $3,500 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $11,900 | $10,700 |
| Net Savings to Long Beach Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Long Beach, CA Home Replacement Value MORE than Home Value | Long Beach, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $946,500 | $706,000 |
| Insurance Premium based on Replacement Value | $2,450 | $1,825 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $96,000 | Risk Exposure from Under Insuring Coverage is $144,500 |
| Premium Impact | Insurance cheaper by $375/year | Insurance costlier by $250/year |
| Insurance Company | Nationwide Insurance | State Farm | Travelers |
| Monthly Premium | 50 | 82 | 105 |
| Year Built | 1956 | 1961 | 1987 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $300000-$350000 | $300000-$350000 | $400000-$500000 |
| Deductible | $2500-$5000 Deductible | $500- $1000 Deductible | $1000-$2500 Deductible |