Irvine, CA Homeowners Insurance

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Find cheap homeowners insurance in Irvine

 

One of the most important aspects of homeownership is home insurance. Along with personal property, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, having a home insurance policy is a solid investment.

The cost of home 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. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils like hail, frozen pipes, volcanoes, or fire, home insurance rates may be higher to account for the extra risk. Discover more information about what a home insurance policy covers.

If you want to find cheap home insurance in Irvine, start with looking around and comparing different policies. Have a look at the summary below comparing average homeowners insurance rates in Irvine to help you get as much information as possible when you start your search for homeowners insurance. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.

 
Irvine, California, homeowners insurance — contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by neighborhood
  4. Rates by deductible level
  5. Insurance bundle discounts
 

 

Homeowners 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.

Begin your search for a home insurance policy by reviewing the cheapest companies in Irvine, California, listed below.

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

 

Average homeowners insurance prices in Irvine by coverage amount

The level of home coverage you select has an impact on the insurance premiums you pay. Homeowners in Irvine who carry $200K in dwelling coverage pay an average of $648 per year, while those with coverage up to $400K pay around $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 home insurance rates by ZIP code

Home insurance premiums can vary depending on what area of Irvine in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically affect your home insurance rates.

To find the cheapest home insurance premiums in Irvine, look no further than 92602. In the 92602 area, homeowners coverage usually costs just $917 per year — a full $24 less than the Irvine average. The below table shows the best places to live in Irvine if you’re looking for affordable homeowners insurance.

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

Other areas of Irvine, however, face homeowners rates that are higher than the city average . Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up premiums in the area. One of the costliest ZIP codes for homeowners insurance in Irvine is 92697, with an annual average rate of $998.

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

 

Homeowners insurance deductibles in Irvine

One of the multiple decisions to be made when shopping for a homeowners policy is where to set your deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Where you choose to set your homeowners deductible corresponds directly to 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, you'll need to keep your deductible higher. Bear in mind that your deductible should not be so high that you would struggle to pay it in the event of a loss.

The following chart displays the typical rates associated with standard homeowners deductibles.

 
HOME INSURANCE COSTS 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 saving money is your primary concern, it might be worth insuring your home and auto through the same insurance company. Bundling your homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in Irvine leads to average annual savings of 12%.

 
CHEAPEST AUTO INSURANCE PREMIUMS 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
 

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.

 

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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.