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.
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Newport Beach, CA | 1.5% | 7.1% |
| Central Coast | 1.72% | 9.3% |
| Costa Mesa | 2.03% | 12.57% |
| Laguna Beach | 1.51% | 8.75% |
| 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% | $5381 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | Nationwide | 409 |
| 300000 | 500 | New | Amco | 531 |
| 300000 | 500 | New | CSE Safeguard | 688 |
| 150000 | 500 | 1-3 Years | Amco | 413 |
| 150000 | 500 | 1-3 Years | American Security | 278 |
| 150000 | 500 | 1-3 Years | Oregon Mutual | 391 |
| 250000 | 1000 | 1-3 Years | Stillwater Prop & Cas Co | 524 |
| 250000 | 500 | 1-3 Years | Farmers (Fire Ins) | 953 |
| 250000 | 500 | 1-3 Years | IDS Property Casualty | 699 |
| 300000 | 500 | 1-3 Years | Encompass | 959 |
| 750000 | 2500 | 1-3 Years | Stillwater Prop & Cas Co | 1006 |
| 200000 | 500 | 4-6 Years | AAA (Interinsurance Exchange) | 453 |
| 200000 | 500 | 4-6 Years | Century National | 463 |
| 200000 | 500 | 4-6 Years | Horace Mann P & C | 517 |
| 200000 | 500 | 4-6 Years | Safeco | 649 |
| 250000 | 1000 | 4-6 Years | Travelers | 559 |
| 500000 | 1000 | 4-6 Years | Century National | 1003 |
| 500000 | 2500 | 4-6 Years | AIG Prop Cas | 1547 |
| 750000 | 2500 | 4-6 Years | Amco | 1408 |
| 750000 | 2500 | 4-6 Years | Pacific Specialty | 1463 |
| 150000 | 500 | 7-15 Years | American Reliable | 466 |
| 150000 | 500 | 7-15 Years | MAPFRE Group | 541 |
| 150000 | 500 | 7-15 Years | Travelers | 520 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Nationwide Insurance | Farmers Insurance | Chubb Group of Insurance |
| Monthly Premium | 176 | 216 | 183 |
| Year Built | 2005 | 1977 | 1963 |
| Home Details | 2 Beds, 1 Baths | 5 Beds, 4 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $700000-$800000 | $900000-$1000000 | $600000-$700000 |
| Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible | $500- $1000 Deductible |