Irvine, CA Homeowners Insurance

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Find affordable homeowners insurance in Irvine


Homeowners insurance is a critical element of homeownership. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Incidents like this occur often. When paired with the high cost of repairing or rebuilding a house, investing in a robust homeowners policy can seem like a smart move.

What you pay for homeowners insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more about what is covered by a homeowners insurance policy.

If you want to find cheaper homeowners insurance in Irvine, start with looking around and comparing a variety of different policies. Have a look at the summary below comparing average homeowners insurance rates in Irvine to begin your homeowners insurance search with as much info as possible. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Irvine, California, home insurance — contents:
  1. Rates by insurer
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling discounts

Home insurance in Irvine by company

Homeowners insurance rates in Irvine vary from one insurance company to another. USAA offers the most affordable home insurance in Irvine, at just $688 per year. This compares favorably to the city’s average homeowners premium of $942.

Take a look at the cheapest insurance companies in Irvine, California to find the right home policy for you.


AFFORDABLE HOME INSURERS IN IRVINE
CompanyAverage Annual Rate
USAA$688
Mercury$689
AAA$719
Nationwide$753
Allstate$758

Average home insurance prices in Irvine by coverage level

Your chosen amount of homeowners coverage impacts the insurance premiums you pay . In Irvine, carrying $200K dwelling coverage costs an average of $648, while carrying additional coverage up to $400K costs $1,336 per year.


HOMEOWNERS INSURANCE RATES IN IRVINE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$413
$200K Dwelling$648
$250K Dwelling$880
$400K Dwelling$1,336

Irvine homeowners insurance prices by ZIP code

Not every area of Irvine has equal home insurance premiums. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the location of your home could have a huge impact in what you pay for homeowners coverage.

If you're looking for the most affordable homeowners coverage in Irvine, take at look at the 92602 ZIP code. In the 92602 area, homeowners coverage usually costs just $917 per year, which isa full $24 less than the overall average for Irvine. The below table shows the best places to live in Irvine if you’re looking for affordable homeowners insurance.


AFFORDABLE NEIGHBORHOODS FOR HOMEOWNERS INSURANCE IN IRVINE
ZIP CodeAverage Annual Home Insurance Rate
92602$917
92620$919
92606$921

Some parts of Irvine, however, are prone to home insurance premiums that are higher on average. These areas might face a higher risk of perils such as severe weather and fires. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. An average annual rate of $998 makes 92697 the most expensive ZIP code in Irvine for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN IRVINE
ZIP CodeAverage Annual Home Insurance Rate
92697$998
92612$969
92603$956

Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous California cities:

  1. Anaheim
  2. Bakersfield
  3. Chula Vista
  4. Fremont
  5. Fresno
  6. Long Beach
  7. Los Angeles
  8. Oakland
  9. Riverside
  10. Sacramento
  11. San Bernardino
  12. San Diego
  13. San Francisco
  14. San Jose
  15. Santa Ana
  16. Stockton

Homeowners insurance deductibles in Irvine

Homeowners have numerous choices to make when buying a policy, including how much their deductible should be. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. The deductible that you choose can change how much you pay in insurance premiums.

When choosing a deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, if you are wanting lower home insurance rates, it pays to keep your deductible higher. It's worth noting that a homeowners deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The table below illustrates the typical premium costs affiliated with most deductibles.


HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE TIER IN IRVINE
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$990
$1,000$880
$1,500$830
$2,000$743
$5,000$619

Money-saving tip: bundle home and auto insurance in Irvine

If you’re searching for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Irvine homeowners could see annual savings of 12% on average.


CHEAPEST CAR INSURANCE WITH A POLICY BUNDLE IN IRVINE
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,179
GEICO$1,192
Farmers$1,453
State Farm$1,602
Allstate$1,841

Bundling your homeowners and auto policies can be a great way to save some money on insurance.


Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.