Los Angeles, CA Home Insurance - Analysis On Quotes, Rates & Agents
Los Angeles Insurance Rates:
Los Angeles, CA homeowners insurance is roughly $546 to $739, about $45-$61/month. Our detailed guide reveals consumers can save as much as $256 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
State FarmI'll be honest, there is nothing that I dislike about this company. If I had to find something, I would say I wish my premium was lower than others.
State FarmMostly it’s the yearly rate for service. I really wish it could come down a little since it has hiked around 20% in past few years. I know things are happening that they have to cover more but really, beyond a break in which was only around 1k stolen, I haven't really needed it. Maybe one day I’ll switch if it gets too high but right now I’ll stay.
EsuranceI consistently get updates from them regarding my insurance policy and also get monthly emails about other topics of interest. No complaints.
State FarmI really liked how personable and helpful the employees at the insurance office were when I called and chatted with them. They were very nice and professional and humble.
AigI dislike that my premium has gone up every single year since I bought the policy, despite being claim free. And it's going up a significant amount, usually 6-10% a year.
AllstateClaim process should be fastened from 3 months to 4-5 weeks, no other issues
AllstateI like that the company is known worldwide. It is a popular company so this means that they are certifiable and credible so I knew their services would work out good. I like how easy everything is to do online or over the phone with an agent.
Liberty MutualI don't like that my premium has gone up every six months. It feels a bit like a bait and switch. They took care of a mistake that led to a much higher bill; however, even after they fixed it, the premium had still risen. I hope this doesn't continue.
AllstateI do not like calling customer service or the constant changes that they seem to make to the website. The changes make things difficult to navigate.
AllstateWe have no complaints regarding the customer service of our insurance company carrier. The folks at Allstate are friendly and helpful. We always get wonderful attention and even get a Happy Holidays card at Christmas.
State FarmDespite not having to use any of the services, I would recommend to my friends and family especially if they have multiple products needing coverage.
GeicoI dislike their website and their application for my mobile phone. I have compared it to other companies and realize that this company needs to update all of this information as soon as they can. Obviously, I do not use it often so it is not a huge deal breaker. I wish they would pause for six months in raising my premium that would be nice but I think that is every insurance company.
State FarmState Farm offers great discounts for continued use, students, and multiple lines. I enjoy the people I have interacted with thus far and feel that I am well covered in the event of an emergency.
State FarmThe company is easy to work with and has a functional, organized website that has all of my information readily available. I am sure that if I had a need to file a claim, I would have more to say on this front.
State FarmThe representatives were very quick and seamless in transitioning me from my previous company. additionally, they did a lot of legwork to find me additional discounts.
Safeco InsuranceI do not like the website. It is very old and slow. They could use a modernization of the website. I also do not like the fact that not all of my policies do not show up on their website. I have multiple insurance policies with them but only my home and auto policies show up.
State FarmI have been with this company for years and receive very good rates. Any time that I have shopped around I have not found better rates, and when I find rates that are close the coverage is not as good as what I have.
Los Angeles, CA Homeowners Insurance By Home Value
| Los Angeles, CA Home Value | Total Homes | % of Total | Average Los Angeles, CA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 8,528 | 4.0% | $32 |
| $100,000 to $124,999 | 6,485 | 3.0% | $147 |
| $125,000 to $149,999 | 4,718 | 2.0% | $186 |
| $150,000 to $174,999 | 10,031 | 5.0% | $218 |
| $175,000 to $199,999 | 7,584 | 3.0% | $250 |
| $200,000 to $249,999 | 28,352 | 14.0% | $301 |
| $250,000 to $299,999 | 35,332 | 17.0% | $372 |
| $300,000 to $399,999 | 91,524 | 46.0% | $475 |
Top Home Insurance Agents Near Los Angeles, CA
| 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 |
Cost Of Homeowners Insurance By Street Near Los Angeles, CA
| 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 |
Los Angeles, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Los Angeles | $96 to $98 |
| Culver City | $99 |
| Ladera Heights | $103 |
| Marina del Rey | $96 |
Los Angeles, 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 |
|---|---|---|---|
| Culver City city, California | $83 | $111 | $166 |
| Ladera Heights CDP, California | $86 | $115 | $172 |
| View Park-Windsor Hills CDP, California | $82 | $109 | $164 |
Los Angeles, CA Area Home Insurance as a % of Housing Cost
| 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 Renters Insurance as a Percentage of Rent
| 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 |
Los Angeles, CA Homeowners Insurance by Zip Code
| Zip Code | Median Home Value | Median Homeowners Insurance |
|---|---|---|
| 90068 | $964,200 | $740 |
| 90048 | $960,100 | $730 |
| 90036 | $957,100 | $730 |
| 90067 | $930,200 | $740 |
| 90064 | $897,400 | $720 |
| 90035 | $862,800 | $710 |
| 90004 | $818,400 | $720 |
| 90027 | $803,900 | $700 |
| 90056 | $749,800 | $690 |
| 90066 | $738,400 | $700 |
| 90045 | $685,300 | $690 |
| 90034 | $664,600 | $690 |
| 90005 | $664,400 | $690 |
| 90025 | $664,000 | $690 |
| 90019 | $631,300 | $680 |
| 90039 | $619,100 | $680 |
| 90028 | $593,300 | $670 |
| 90038 | $577,400 | $660 |
| 90020 | $564,400 | $660 |
| 90026 | $563,100 | $660 |
| 90010 | $562,100 | $670 |
| 90041 | $550,000 | $670 |
| 90029 | $492,000 | $660 |
| 90008 | $478,700 | $650 |
| 90065 | $469,900 | $650 |
| 90021 | $458,000 | $650 |
| 90015 | $441,000 | $650 |
| 90017 | $433,000 | $640 |
| 90006 | $423,600 | $640 |
| 90007 | $408,100 | $640 |
| 90012 | $402,400 | $640 |
| 90042 | $394,800 | $640 |
| 90043 | $381,600 | $630 |
| 90016 | $371,500 | $630 |
| 90018 | $366,300 | $630 |
| 90031 | $357,900 | $630 |
| 90032 | $338,400 | $620 |
| 90014 | $334,700 | $630 |
| 90033 | $326,500 | $620 |
| 90013 | $315,300 | $630 |
| 90023 | $307,300 | $630 |
| 90047 | $306,300 | $620 |
| 90057 | $301,100 | $620 |
| 90044 | $296,400 | $620 |
| 90062 | $291,500 | $620 |
| 90011 | $291,100 | $620 |
| 90037 | $282,000 | $620 |
| 90061 | $265,600 | $610 |
| 90001 | $263,100 | $620 |
| 90003 | $248,400 | $610 |
| 90059 | $244,000 | $610 |
| 90002 | $238,300 | $610 |
| 90024 | $1,000,001 | $730 |
| 90049 | $1,000,001 | $730 |
| 90077 | $1,000,001 | $750 |
Average Cost Of Home Insurance By Company In Areas Nearby Los Angeles For Different Scenarios
| Coverage ($) | 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 |
Los Angeles, CA Home Insurance Costs With Deductible Scenario
| 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 | |
Los Angeles, CA Home Insurance Costs With Home Replacement Value Scenarios
| 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 |
Example Los Angeles Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| 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 |
Sample Home Insurance Rates for Los Angeles, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1958 | 550,000 | Membrane Roof | 2,050 | 3 | $500- $1000 Deductible | 480 | 4 | Brick siding | yes |
| 1952 | 270,000 | Slate Shingles Roof | 1,490 | 2 | $2500-$5000 Deductible | 270 | 5 | Stone Siding | No |
| 1977 | 335,000 | Slate Shingles Roof | 1,400 | 2 | $1000-$2500 Deductible | 280 | 5 | Wood siding | yes |
| 1988 | 315,000 | Metal Roof | 1,290 | 2 | $1000-$2500 Deductible | 200 | 3 | Vinyl siding | No |
| 1964 | 190,000 | Slate Shingles Roof | 1,010 | 2 | $500 Deductible | 490 | 12 | Stone Siding | yes |
| 1962 | 300,000 | Slate Shingles Roof | 1,170 | 2 | $5000 to $10,000 Deductible | 140 | 3 | Stucco siding | yes |
| 1986 | 245,000 | Tile Roof | 1,320 | 2 | $500 Deductible | 200 | 4 | Fiber-Cement Siding | yes |
| 1976 | 490,000 | Wood Shake Roof | 2,000 | 3 | $500 Deductible | 250 | 2 | Wood siding | No |
| 1974 | 420,000 | Asphalt Shingles Roof | 1,780 | 4 | $5000 to $10,000 Deductible | 490 | 7 | Fiber-Cement Siding | No |
| 1959 | 310,000 | Slate Shingles Roof | 1,330 | 3 | $500- $1000 Deductible | 450 | 5 | Stucco siding | yes |
| 1954 | 435,000 | Metal Roof | 2,220 | 3 | > $10,000 Deductible | 80 | 1 | Brick siding | No |
| 1982 | 340,000 | Membrane Roof | 1,630 | 3 | $5000 to $10,000 Deductible | 290 | 5 | Stucco siding | No |
| 1997 | 310,000 | Wood Shake Roof | 1,240 | 3 | $2500-$5000 Deductible | 430 | 8 | Brick siding | yes |
| 1965 | 640,000 | Metal Roof | 2,660 | 4 | $500 Deductible | 1130 | 6 | Wood siding | No |
| 1988 | 535,000 | Metal Roof | 1,990 | 3 | $5000 to $10,000 Deductible | 480 | 5 | Wood siding | No |
| 1960 | 825,000 | Membrane Roof | 3,320 | 4 | > $10,000 Deductible | 600 | 6 | Stone Siding | yes |
| 1979 | 230,000 | Asphalt Shingles Roof | 1,150 | 2 | > $10,000 Deductible | 60 | 2 | Brick siding | yes |
| 1987 | 435,000 | Asphalt Shingles Roof | 1,830 | 4 | $500- $1000 Deductible | 630 | 6 | Vinyl siding | No |
| 1966 | 850,000 | Slate Shingles Roof | 3,320 | 4 | $1000-$2500 Deductible | 1010 | 5 | Wood siding | yes |
| 1959 | 265,000 | Slate Shingles Roof | 1,180 | 2 | $2500-$5000 Deductible | 520 | 9 | Stucco siding | No |
| 1956 | 785,000 | Asphalt Shingles Roof | 3,120 | 4 | $5000 to $10,000 Deductible | 1040 | 10 | Wood siding | yes |
| 1952 | 310,000 | Asphalt Shingles Roof | 1,500 | 2 | $500 Deductible | 290 | 5 | Vinyl siding | No |
| 1974 | 280,000 | Tile Roof | 1,400 | 2 | > $10,000 Deductible | 310 | 9 | Wood siding | No |
| 1987 | 630,000 | Wood Shake Roof | 3,150 | 4 | $500- $1000 Deductible | 1820 | 10 | Vinyl siding | yes |
| 1937 | 750,000 | Membrane Roof | 1,148 | 1 | $2500-$5000 Deductible | 1800 | 12 | Stone Siding | No |