Irvine Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Irvine


Home insurance is a critical element of homeownership. Fire, vandalism, theft, and wind damage are just a few of the perils for which homeowners coverage can protect your dwelling and other personal belongings. With the relative frequency of such incidents -- and the high cost of rebuilding or repairing damages to a home -- getting homeowners coverage is a sound investment.

What you pay for homeowners insurance depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Discover more information about what your homeowners insurance policy covers.

Finding cheap home insurance in Irvine starts with shopping around and comparing policies. Take a look at the summary below showing average homeowners insurance premiums in Irvine to begin your home insurance search with as much knowledge as you can. 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, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Irvine by insurance company

Homeowners insurance rates in Irvine vary from one insurance company to another. The most affordable home insurance in Irvine is USAA offering average annual rates at just $688 per year. This is considerably cheaper than the city’s average homeowners premium of $942.

Below you'll find a list of the cheapest homeowners insurance companies in Irvine, California to help you begin your search.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN IRVINE
CompanyAverage Annual Rate
USAA$688
Mercury$689
AAA$719
Nationwide$753
Allstate$758

Average homeowners insurance costs 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 $1,187/year.


HOMEOWNERS INSURANCE RATES IN IRVINE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$648
$400K Dwelling$1,187

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Irvine home insurance prices by ZIP code

Depending on the part of Irvine you live in, you may see a big difference in your home insurance costs. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically affect your home insurance premium.

The cheapest home insurance rates in Irvine are available in 92602. In 92602, the typical home insurance policy costs $917 per year — $24 less than the citywide average in Irvine. If you’re looking for the areas with the least costly homeowners premiums in Irvine, have a look at the table below.


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

On the other hand, some areas of Irvine face higher homeowners insurance costs, on average. These areas might face a higher probability of perils such as fires or severe weather events. Similarly, they may also have a higher rate 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



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Looking for a money-saving tip for insurance in Irvine? Try bundling

You might want to consider bundling your auto and home insurance policies through the same company if saving money is one of your concerns. Bundling home and auto insurance can save you a substantial sum each month on your auto insurance bill. Bundling policies in Irvine could, in fact, lead to average annual savings of 12%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN IRVINE
CompanyAvg. Annual Auto Insurance Rate (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. To speak with an insurance professional, reach out to us at 855-493-9728 today.


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