Los Angeles ,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 Los Angeles, 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 Los Angeles, CA is $1478. Enter your zipcode below and click “GO” to get multiple free quotes.
With so many options available, it can be difficult to know where to start. VHome Insurance simplifies the process by presenting a guide to the best insurance companies in Los Angeles, CA.Our analysis of customer reviews, financial stability, and coverage options has resulted in a list of top insurance companies for your consideration.
| Home Insurance Company | Average Annual Premium Los Angeles, CA |
|---|---|
| Nationwide | $753 |
| Mercury | $832 |
| Travelers | $930 |
| USAA | $1,002 |
| Allstate | $1,066 |
| State Farm | $1,316 |
| Farmers | $1,534 |
It is important to understand the different coverage options available in Los Angeles, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Los Angeles, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $560 |
| $200,000 | $952 |
| $300,000 | $1,176 |
| $400,000 | $1,792 |
| $500,000 | $2,254 |
Home insurance costs in Los Angeles 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 |
|---|---|
| 90068 | $1,510 |
| 90048 | $1,496 |
| 90036 | $1,540 |
| 90067 | $1,475 |
| 90064 | $1,484 |
| 90035 | $1,509 |
| 90004 | $1,430 |
| 90027 | $1,462 |
| 90056 | $1,422 |
| 90066 | $1,460 |
| 90045 | $1,420 |
| 90034 | $1,431 |
| 90005 | $1,388 |
| 90025 | $1,375 |
| 90019 | $1,404 |
| 90039 | $1,390 |
| 90028 | $1,334 |
| 90038 | $1,384 |
| 90020 | $1,317 |
| 90026 | $1,388 |
| 90010 | $1,356 |
| 90041 | $1,371 |
| 90029 | $1,373 |
| 90008 | $1,347 |
| 90065 | $1,359 |
| 90021 | $1,400 |
| 90015 | $1,332 |
| 90017 | $1,328 |
| 90006 | $1,332 |
| 90007 | $1,332 |
| 90012 | $1,313 |
| 90042 | $1,336 |
| 90043 | $1,325 |
| 90016 | $1,323 |
| 90018 | $1,329 |
| 90031 | $1,310 |
| 90032 | $1,307 |
| 90014 | $1,311 |
| 90033 | $1,292 |
| 90013 | $1,320 |
| 90023 | $1,278 |
| 90047 | $1,287 |
| 90057 | $1,300 |
| 90044 | $1,274 |
| 90062 | $1,295 |
| 90011 | $1,272 |
| 90037 | $1,284 |
| 90061 | $1,269 |
| 90001 | $1,266 |
| 90003 | $1,267 |
| 90059 | $1,264 |
| 90002 | $1,263 |
| 90024 | $1,449 |
| 90049 | $1,623 |
| 90077 | $1,623 |
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 Los Angeles, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,435 |
| $1000 Deductible | $1,284 |
| $1500 Deductible | $1,211 |
| $2500 Deductible | $1,092 |
| $5000 Deductible | $924 |
| Home Insurance Company Near Los Angeles, CA | Homeowners Insurance Agency Near Los Angeles, CA | Address |
|---|---|---|
| State Farm | Eloisa Villarreal Sharp | 1871 W La Habra Blvd, La Habra, CA, 90631-5131 |
| Travelers | Downing & Gayle Insurance Services Inc | 6701 CENTER DR W STE 1500, LOS ANGELES, CA, 90045 |
| Travelers | Louis Barnett & Associates | 2601 AIRPORT DR STE 100, TORRANCE, CA, 90505 |
| State Farm | Mark Lee | 18702 Colima Rd Ste 205, Rowland Hghts, CA, 91748-2992 |
| Liberty Mutual | William Mckenney | 19200 Von Karman Ave Suite 200, Irvine, CA, 92612 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Culver City city, California | $83 | $111 | $166 |
| Ladera Heights CDP, California | $86 | $115 | $172 |
| View Park-Windsor Hills CDP, California | $82 | $109 | $164 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Los Angeles, CA | 2.0% | 9.4% |
| Culver City | 2.09% | 11.02% |
| Ladera Heights | 1.48% | 8.93% |
| Marina del Rey | 1.52% | 5.34% |
| Los Angeles Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 19,894 | 2.0% | $777 |
| $300 to $499 | 26,627 | 3.0% | $1227 |
| $500 to $749 | 79,356 | 9.0% | $1902 |
| $750 to $999 | 166,192 | 20.0% | $2652 |
| $1,000 to $1,499 | 280,211 | 35.0% | $3777 |
| $1,500 or more | 220,702 | 27.0% | $5427 |
| Streets in Los Angeles Area | Homeowners Insurance Cost |
|---|---|
| N Clarence St, Jolette Ave, N Ave 66, Ditson St, Moorcroft Pl, Cockerham Dr, Eagle Ridge Way, Milwaukee Ave, Springlet Trl, Albright Ave | $682 |
| E Old Fort Rd, Boulder St, Muscatine St, Drysdale Ave, S para Way, W 60th Pl, Buckler Ave, Glenhurst Ave, S Sycamore Dr, Topock St | $617 |
| Royal Oak Rd, Pat Ave, S Spence St, Collingwood Dr, E Yawl St, Rouge St, Pineknoll Ave, Helms Pl, Glory Ave, Lecouvreur Ave | $612 |
| N Griffin Ave, Ellita Pl, N Sunset Crest Dr, W Bowdoin St, Lowe St, Weigand Ave, Campbell Dr, Frackelton Pl, Cocos Dr, W St Charles Pl | $609 |
| Lafler Rd, Kemper Ct, N Platt Ave, Metropolitan Pl, Raber St, Hancock St, N Skyewiay Rd, N Bowling Green Way, S Alta Vista Blvd, del Valle Dr | $None |
| San Blas Ave, W Edwin Dr, Culver Dr, Homewood Rd, Eleanor Ave, Divina St, Samuel Dupont Ave, W Hatteras St, Firth Blvd, la Barca Pl | $680 |
| Remy Ave, Newcomb Dr, Dunlo Pl, Maude Ave, Masselin Ave, Burton Pl, Orum Rd, Whitnall Hwy, Figueroa Pl, Arbol St | $639 |
| S Esplanade, Bray St, Brett Pl, Chanute St, W Smilax St, Frontier Plc, Cushdon Ave, Don Milagro Dr, Winona Blvd, Carmel Way | $612 |
| W Hollywood Hills Rd, S Mountain View Ave, Paseo la Vis, Deerbrook Ln, E Indiana Ct, S Pershing Dr, Stratton Ave, Jeanette Pl, Via Sorrento, Galvez St | $674 |
| McNulty Pl, 25th Ave, Greenburn Ave, W San Fernando Mission Blvd, N Ave 59, Las Flores Dr, Bleriot Ave, Rye St, S Beverly Connection Way, Artesian St | $644 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Los Angeles | $96 to $98 |
| Culver City | $99 |
| Ladera Heights | $103 |
| Marina del Rey | $96 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | Encompass | 997 |
| 200000 | 500 | New | Homesite | 1078 |
| 500000 | 1000 | New | American Security | 1180 |
| 500000 | 1000 | New | MAPFRE Group | 1217 |
| 500000 | 2500 | New | Horace Mann P & C | 1018 |
| 150000 | 250 | 1-3 Years | American Security | 484 |
| 150000 | 500 | 1-3 Years | Metropolitan Direct | 667 |
| 200000 | 500 | 1-3 Years | Integon/National | 856 |
| 250000 | 1000 | 1-3 Years | Stillwater Ins Co | 586 |
| 250000 | 500 | 1-3 Years | First American Ins | 666 |
| 250000 | 500 | 1-3 Years | Horace Mann | 635 |
| 400000 | 1000 | 1-3 Years | Wawanesa | 898 |
| 500000 | 1000 | 1-3 Years | Wawanesa | 1079 |
| 200000 | 500 | 4-6 Years | Amica Mutual | 615 |
| 200000 | 500 | 4-6 Years | Farmers (Fire Ins) | 984 |
| 250000 | 1000 | 4-6 Years | American Reliable | 851 |
| 250000 | 1000 | 4-6 Years | Stillwater Ins Co | 676 |
| 250000 | 500 | 4-6 Years | Western Mutual/Residence | 687 |
| 500000 | 2500 | 4-6 Years | AIG Prop Cas | 2188 |
| 150000 | 500 | 7-15 Years | Homesite | 1212 |
| 300000 | 500 | 7-15 Years | MAPFRE Group | 1349 |
| 500000 | 1000 | 7-15 Years | Foremost Insurance | 2504 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $3,000 |
| Yearly Los Angeles Homeowner Insurance Premium Example | $1,300 | $800 |
| Out of Pocket Expense During Claim | $1,000 | $3,000 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $7,500 | $7,000 |
| Net Savings to Los Angeles Home Owner from High Deductible Plan | $500 | |
| Scenario | Los Angeles, CA Home Replacement Value MORE than Home Value | Los Angeles, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $472,000 | $346,500 |
| Insurance Premium based on Replacement Value | $1,375 | $1,000 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $47,000 | Risk Exposure from Under Insuring Coverage is $78,500 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $150/year |
| Insurance Company | Chubb Group of Insurance | GEICO Insurance | Travelers |
| Monthly Premium | 87 | 60 | 156 |
| Year Built | 1969 | 1943 | 1954 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $350000-$400000 | $350000-$400000 | $700000-$800000 |
| Deductible | $500 Deductible | > $10,000 Deductible | $500 Deductible |