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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.
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.
|Company||Average Annual Rate|
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.
|Coverage Level||Average Annual Rate|
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.
|ZIP Code||Average Annual Home Insurance Rate|
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.
|ZIP Code||Average Annual Home Insurance Rate|
Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous California cities:
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.
|Deductible Level||Average Annual Homeowners Insurance Rate|
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.
|Company||Avg. Annual Auto Insurance Rate (With Bundle)|
Bundling your homeowners and auto policies can be a great way to save some money on insurance.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.