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Newport Beach, CA Home Values & Insurance Rates

Newport Beach, CA Home Value Total Homes % of Total Average 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 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

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

Newport Beach, CA Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Central Coast CCD, Orange County, California $87 $115 $173
Costa Mesa city, California $83 $110 $165
Laguna Beach city, California $91 $121 $181

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
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