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.

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Home Insurance in Los Angeles, California

Los Angeles is home to around 3,804,503 people. It is the world's entertainment capital, offering numerous activities and attractions. The city itself is known for its fine museums and cultural activities, complemented by multiple prospects to relax and enjoy the outdoors. Los Angeles also provides a window of opportunities to occupy both your mind and body, making it a perfect place to settle.

Los Angeles is also subject to many natural and artificial threats like floods, earthquakes, and wildfires. Apart from that, the chance of a property crime is 1 in 44 in Los Angeles, California. Therefore, it is crucial to avail homeowners insurance in Los Angeles, California, to protect your home from perils like theft, fire, flood, and vandalism.

The average price of home insurance in Los Angeles, California, is $1624. Homeowners in Los Angeles, CA, can further reduce insurance rates by availing of discounts offered by home insurance providers. VHome Insurance, through its analysis, has explored the discounts homeowners can get in Los Angeles.

a. Deductibles

When shopping for homeowners insurance in Los Angeles, one of the elements people often look at is the deductible. A deductible is an amount the insurer should pay before your insurer pays a claim. Companies charge higher premiums when a homeowner chooses a lower deductible. Saving money on your insurance via selecting a higher deductible may be cost-effective for people who are reasonably comfortable with covering a large loss out of pocket.

Homeowners in Los Angeles, California, who opted to pay a low deductible of 500 and 1000, pay $1604.51 and $1451.53, respectively, on home insurance. In contrast, policyholders who opted for a high deductible of 2000 and 2500 pay $1240.41 and $1166.03 on homeowners insurance in Los Angeles, California.

Refer to the table below to understand the applicable insurance rates based on the type of deductible.


b. Coverage Type

The home insurance package covers damages or loss in any unforeseen event concerning your homeowner's protection policy. Every home insurance policy has a liability limit that determines the amount of coverage you acquire to cover the damage in an unfortunate situation. For instance, if your house gets damaged by fire or burglary.

Homeowners in Los Angeles typically opt for coverage of $200,000 or $300,000, where they pay $629 and $1169, respectively, on home insurance rates in Los Angeles. Policyholders who opt for lower coverage pay a low premium on home insurance. For instance, homeowners who opted for $100,000 pay $250 on home insurance.

Therefore, the higher the coverage, the higher the home insurance premium and the higher the protection of the house.

c. Claims History

Homeowners insurance rates in Los Angeles, California, can be reduced if the policyholder has a zero claim history. By displaying a clean track of claim history, insurance providers offer a home insurance discount. Homeowners in Los Angeles with zero claims pay a premium of $1429.12, whereas homeowners with one or two claims pay $1753.92 and $1818.88, respectively.

Los Angeles, CA, Tips for choosing the best home insurance company

The average cost of home insurance in Los Angeles, CA, is $1,624. vHome’s comprehensive analysis shows that Los Angeles homeowners can save up to $256 by comparing quotes from multiple home insurance companies and choosing the cheapest one according to their coverage needs.


A.M. Best Rating

A.M. Best company rates insurance companies based on their financial capacity to grant claims to policyholders. Home insurance companies with high A.M. Best ratings are considered to be a safe bet for homeowners. Los Angeles homeowners can use the A.M. Best ratings to choose home insurance companies that have the financial capacity to grant their claims. For example, A.M. Best has awarded a rating of A++ (superior) to GEICO, whereas Liberty Mutual has a rating of A (excellent).

J.D. Power Score

J.D. Powers curates feedback from multiple homeowners, who have policies with home insurance companies, to rate them. The overall customer satisfaction of an insurance company is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. State Farm received a rating of 4/5, while Amica received a 5/5 rating.

Comparing Quotes

No two home insurance companies provide the same quote to homeowners. Home insurance companies use different parameters such as the age of homes, safety features, and distance to public agencies to determine the home insurance rates. Los Angeles homeowners are advised to get quotes from multiple home insurance companies to choose the cheapest quote. Los Angeles homeowners should also make sure that the coverage value should be enough to replace/repair the damages of their homes.

Deductibles vs. Insurance Rates

Home insurance rates vary depending on the deductibles that homeowners choose to pay on their policies. The percentage of reduction in insurance rates for the same deductible differs between one insurance company to another. Homeowners have to arrive at a balance between deductibles and home insurance rates. Los Angeles homeowners are advised to choose the home insurance company that quotes the cheapest insurance rate on their deductible amount.

Customer Service

Los Angeles homeowners are advised to choose home insurance companies that offer 24/7 customer support.  Home insurance agents work closely with Los Angeles homeowners to create a policy that best suits their needs. Home insurance companies should also be swift in addressing homeowners’ queries and processing claims. According to state law, homeowners have 10 to 30 days to submit a claim, post which the insurance company gets 40 days to process, and accept or deny the claim. 

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

Los Angeles, CA Home Insurance Agents for Top Companies

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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Los Angeles, CA2.0%9.4%
Culver City2.09%11.02%
Ladera Heights1.48%8.93%
Marina del Rey1.52%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 ($)
5000001000NewAmerican Security1180
5000001000NewMAPFRE Group1217
5000002500NewHorace Mann P & C1018
1500002501-3 YearsAmerican Security484
1500005001-3 YearsMetropolitan Direct667
2000005001-3 YearsIntegon/National856
25000010001-3 YearsStillwater Ins Co586
2500005001-3 YearsFirst American Ins666
2500005001-3 YearsHorace Mann635
40000010001-3 YearsWawanesa898
50000010001-3 YearsWawanesa1079
2000005004-6 YearsAmica Mutual615
2000005004-6 YearsFarmers (Fire Ins)984
25000010004-6 YearsAmerican Reliable851
25000010004-6 YearsStillwater Ins Co676
2500005004-6 YearsWestern Mutual/Residence687
50000025004-6 YearsAIG Prop Cas2188
1500005007-15 YearsHomesite1212
3000005007-15 YearsMAPFRE Group1349
50000010007-15 YearsForemost Insurance2504

Los Angeles, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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 InsuranceGEICO InsuranceTravelers
Monthly Premium 8760156
Year Built 196919431954
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 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
1996 670,000 Composition Roof 3,250 4 $500- $1000 Deductible 1040 7 Stucco siding yes
1990 260,000 Wood Shake Roof 1,310 2 $5000 to $10,000 Deductible 410 9 Wood siding yes
1985 305,000 Asphalt Shingles Roof 1,210 3 $500 Deductible 80 1 Wood siding yes
1946 405,000 Slate Shingles Roof 2,200 3 $500- $1000 Deductible 1040 9 Fiber-Cement Siding yes
1984 365,000 Membrane Roof 1,460 3 $1000-$2500 Deductible 170 2 Fiber-Cement Siding yes
1943 340,000 Tile Roof 1,810 4 > $10,000 Deductible 320 6 Stone Siding yes
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

Latest Home Insurance Reviews

i would recommend it because i have had positive experriences with geico for car insurance, the home insurance premiums are well priced and i trust the company
State Farm
I would highly recommend my home insurance company. Their customer service is world class and whenever I have an issue they are right there to help and answer any questions.
I think that my insurance company has basic offerings which are comparable to many other companies. I think that even though they are not as well known they have good offerings.
State Farm
I think my premium is cheaper compared to other companies and the coverage suits my need perfectly so i cant complain.
I consistently get updates from them regarding my insurance policy and also get monthly emails about other topics of interest. No complaints.
State Farm
I would rate my insurance company a 4. Their customer service is amazing. The employees are always very nice and well mannered. The only downside is the cost, but i feel i get what I pay for so thats why I continue to pay the higher price.
Liberty Mutual
Liberty Mutual earned a low overall customer satisfaction rating in the 2017 J.D. Power study of homeowners insurance companies. .
The offer everything, home, rental, I am always happy with what they offer.
State Farm
The 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 Insurance
I 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 Farm
I 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.
State Farm
I'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 Farm
Mostly 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.
State Farm
I 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.
I 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.
Claim process should be fastened from 3 months to 4-5 weeks, no other issues
I 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 Mutual
I 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.
I 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.
We 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 Farm
Despite not having to use any of the services, I would recommend to my friends and family especially if they have multiple products needing coverage.
I 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.
Liberty Mutual
State Farm
State 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 Farm
The 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.

How To Make Your Los Angeles, CA Home Insurance Cheaper

How Much Does Los Angeles, CA Home Insurance Cost?