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How to 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. The average homeowners policy costs $79 per month in Irvine, California. This is significantly less than the average American's monthly home insurance payment.

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.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings
 

Irvine home insurance 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.   Then, see our list of which home insurance carriers ranked best for customer satisfaction to find the right home policy for you. 

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

Irvine homeowners insurance prices 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.

 
POPULAR COVERAGE LIMITS IN IRVINE
Coverage Level Average Annual Rate
$100K Dwelling $413
$200K Dwelling $648
$250K Dwelling $880
$400K Dwelling $1,336
 

Irvine home insurance rates 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 HOME INSURANCE AREAS IN IRVINE
ZIP Code Average 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 HOME INSURANCE AREAS IN IRVINE
ZIP Code Average Annual Home Insurance Rate
92697 $998
92612 $969
92603 $956
 

Irvine homeowners insurance deductibles

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.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN IRVINE
Deductible Level Average Annual Homeowners Insurance Rate
$500 $990
$1,000 $880
$1,500 $830
$2,000 $743
$5,000 $619
 

Home and auto insurance bundling 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 RATES WITH HOME BUNDLE IN IRVINE
Company Avg. Annual Auto Insurance Rate (With Bundle)
Mercury $1,179
GEICO $1,192
Farmers $1,453
State Farm $1,602
Allstate $1,841
 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.