Newport Beach Insurance Rates:

Newport Beach, CA homeowners insurance is about $618 to $835, about $51-$69/month. Our thorough analysis indicates shoppers can save upto $290 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
My deductibles are the same as any other company. They are higher for some parts of the policy but all companies are that way.
Farmer's Insurance
I found that this was the most reasonably priced offer. USAA was monstrously overpriced and another company, I forget which, was a little more expensive. I was able to get a more affordable policy.
Nationwide
I like that there are a lot of different options for coverage for me to choose from. it makes it easier to customize a plan that fits my needs and that keeps me from paying extra for features that i have no use for.
Farmer's Insurance
Our insurance agent is great at e-mailing us information about the community activities and updated insurance information to us in a monthly email.
Nationwide
They stand behind you and beside you 100% of the time. they will make sure you have the best coverage that makes you happy.
State Farm
I think the customer service is suitable for this company. The agents are very friendly if I have to call in but I really try not to.
Nationwide
I receive statements from the company periodically and it covers the details of all costs to my satisfaction. I have no complaints.
Nationwide
They keep me updated on the policy and my coverage. They have always been responsive when I have called with questions. I've never had to file a claim, however.
Liberty Mutual
I highly recommend Liberty Mutual for home or renter's insurance. They have very competitive prices and a god choice of products so you will find something that suits you.
State Farm
We bundle our home and auto and absolutely love the company. They provide great customer service as well as affordable coverage. We don't see ourselves changing companies.

Newport Beach, CA Homeowners Insurance By Home Value

Newport Beach, CA Home Value Total Homes % of Total Average Newport Beach, CA Homeowners Insurance
Less than $50,000 217 13.0% $14
$50,000 to $59,999 52 3.0% $36
$80,000 to $89,999 52 3.0% $58
$90,000 to $99,999 39 2.0% $65
$100,000 to $124,999 166 10.0% $72
$125,000 to $149,999 32 1.0% $94
$150,000 to $174,999 160 9.0% $116
$175,000 to $199,999 33 2.0% $130
$200,000 to $249,999 138 8.0% $159
$250,000 to $299,999 133 8.0% $196
$300,000 to $399,999 599 36.0% $247

Top Home Insurance Agents Near Newport Beach, CA

Home Insurance Company Near Newport Beach, CA Homeowners Insurance Agency Near Newport Beach, CA Address
State Farm Bob Simmons 929 E Wardlow Rd Ste A, Long Beach, CA, 90807-4602
Farmers Donald Hicks 34184 Pacific Coast Hwy Ste C, Dana Point, CA, 92629
State Farm Pat Mcleod 2651 Irvine Ave Ste 138, Costa Mesa, CA, 92627-4647
State Farm Rc Chavez 454 N Arrowhead Ave, Sn Bernrdno, CA, 92401-1421
Farmers Sonia Choi 3540 Wilshire Blvd Ste 1210, Los Angeles, CA, 90010

Newport Beach, CA Home Insurance Agents for Top Companies


Newport Beach, 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
Central Coast CCD, Orange County, California $87 $115 $173
Costa Mesa city, California $83 $110 $165
Laguna Beach city, California $91 $121 $181

Newport Beach, 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
Newport Beach, CA1.5%7.1%
Central Coast1.72%9.3%
Costa Mesa2.03%12.57%
Laguna Beach1.51%8.75%

Newport Beach Renters Insurance as a Percentage of Rent

Newport Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 167 1.0% $1181
$500 to $749 258 1.0% $1856
$750 to $999 397 2.0% $2606
$1,000 to $1,499 3,896 23.0% $3731
$1,500 or more 11,860 71.0% $5381

Average Cost Of Home Insurance By Company In Areas Nearby Newport Beach For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewNationwide409
300000500NewAmco531
300000500NewCSE Safeguard688
1500005001-3 YearsAmco413
1500005001-3 YearsAmerican Security278
1500005001-3 YearsOregon Mutual391
25000010001-3 YearsStillwater Prop & Cas Co524
2500005001-3 YearsFarmers (Fire Ins)953
2500005001-3 YearsIDS Property Casualty699
3000005001-3 YearsEncompass959
75000025001-3 YearsStillwater Prop & Cas Co1006
2000005004-6 YearsAAA (Interinsurance Exchange)453
2000005004-6 YearsCentury National463
2000005004-6 YearsHorace Mann P & C517
2000005004-6 YearsSafeco649
25000010004-6 YearsTravelers559
50000010004-6 YearsCentury National1003
50000025004-6 YearsAIG Prop Cas1547
75000025004-6 YearsAmco1408
75000025004-6 YearsPacific Specialty1463
1500005007-15 YearsAmerican Reliable466
1500005007-15 YearsMAPFRE Group541
1500005007-15 YearsTravelers520

Newport Beach, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$8,800
Yearly Newport Beach Homeowner Insurance Premium Example $3,100$2,100
Out of Pocket Expense During Claim$1,800$8,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $26,600$25,600
Net Savings to Newport Beach Home Owner from High Deductible Plan $1,000

Newport Beach, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Newport Beach, CA Home Replacement Value MORE than Home Value Newport Beach, CA Home Replacement Value LESS than Home Value
Replacement Value $1,240,000 $850,000
Insurance Premium based on Replacement Value $3,100 $2,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $150,000 Risk Exposure from Under Insuring Coverage is $240,000
Premium Impact Insurance cheaper by $600/year Insurance costlier by $375/year

Example Newport Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceFarmers InsuranceChubb Group of Insurance
Monthly Premium 176216183
Year Built 200519771963
Home Details 2 Beds, 1 Baths5 Beds, 4 Baths3 Beds, 1 Baths
Coverage Amount $700000-$800000$900000-$1000000$600000-$700000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1990 1,740,000 Asphalt Shingles Roof 4,650 5 $500- $1000 Deductible 1170 6 Vinyl siding No
1963 550,000 Membrane Roof 1,150 2 $5000 to $10,000 Deductible 740 8 Stucco siding No
1974 730,000 Slate Shingles Roof 1,520 5 $5000 to $10,000 Deductible 110 1 Stucco siding No
1999 410,000 Membrane Roof 1,020 2 $2500-$5000 Deductible 140 2 Stucco siding yes
1992 540,000 Asphalt Shingles Roof 1,390 2 $1000-$2500 Deductible 900 12 Wood siding No
1994 1,245,000 Membrane Roof 2,320 4 $500- $1000 Deductible 830 3 Stone Siding yes
2002 875,000 Membrane Roof 1,630 4 $500- $1000 Deductible 1640 9 Wood siding No
2013 620,000 Slate Shingles Roof 1,310 2 $1000-$2500 Deductible 1620 9 Stucco siding yes
1995 490,000 Slate Shingles Roof 1,330 3 $1000-$2500 Deductible 580 6 Fiber-Cement Siding No
1979 920,000 Composition Roof 2,380 4 $1000-$2500 Deductible 2200 12 Stone Siding yes
1993 810,000 Asphalt Shingles Roof 2,020 3 $500 Deductible 1000 6 Stone Siding No
1985 645,000 Metal Roof 1,280 3 $500- $1000 Deductible 2030 12 Wood siding yes
1983 355,000 Asphalt Shingles Roof 910 2 $1000-$2500 Deductible 400 5 Vinyl siding No
1978 555,000 Asphalt Shingles Roof 1,300 2 $500 Deductible 360 3 Wood siding No
2010 680,000 Composition Roof 1,710 3 $5000 to $10,000 Deductible 230 3 Brick siding No
2012 640,000 Tile Roof 1,240 3 $500- $1000 Deductible 350 2 Wood siding No
2002 700,000 Metal Roof 1,590 2 $1000-$2500 Deductible 100 1 Stucco siding No
1983 920,000 Slate Shingles Roof 2,140 5 $5000 to $10,000 Deductible 440 3 Brick siding No
1960 575,000 Shingles Roof 1,320 3 > $10,000 Deductible 390 6 Vinyl siding yes
1967 625,000 Slate Shingles Roof 1,370 2 $2500-$5000 Deductible 870 7 Wood siding yes
2011 1,570,000 Tile Roof 3,890 5 $500- $1000 Deductible 1330 7 Brick siding No
1993 890,000 Wood Shake Roof 1,650 2 $500- $1000 Deductible 200 1 Fiber-Cement Siding No
2010 795,000 Slate Shingles Roof 2,130 3 $5000 to $10,000 Deductible 890 6 Vinyl siding No
2004 1,040,000 Asphalt Shingles Roof 1,930 4 $1000-$2500 Deductible 560 3 Wood siding yes
1982 665,000 Metal Roof 1,680 4 $2500-$5000 Deductible 770 6 Stone Siding yes
1969 905,000 Metal Roof 2,050 3 $5000 to $10,000 Deductible 1720 10 Wood siding No
1962 1,005,000 Tile Roof 1,870 3 > $10,000 Deductible 290 2 Stucco siding yes
1965 825,000 Membrane Roof 2,120 4 $500 Deductible 700 3 Stone Siding yes
2010 1,535,000 Membrane Roof 2,960 4 > $10,000 Deductible 380 3 Wood siding yes
2011 1,285,000 Shingles Roof 3,230 5 $500- $1000 Deductible 210 1 Stucco siding No
2000 1,440,000 Composition Roof 2,990 4 $2500-$5000 Deductible 580 3 Wood siding yes
1994 785,000 Metal Roof 1,900 5 $1000-$2500 Deductible 320 3 Brick siding yes
1983 1,260,000 Shingles Roof 3,210 4 $5000 to $10,000 Deductible 170 1 Brick siding yes
2008 715,000 Asphalt Shingles Roof 1,760 3 $1000-$2500 Deductible 920 5 Brick siding yes
2003 2,460,000 Tile Roof 3,373 4 $500- $1000 Deductible 2210 9 Stucco siding yes

How To Make Your Newport Beach, CA Home Insurance Cheaper

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