Long Beach, CA Homeowners Insurance

Learn more about how to find affordable homeowners insurance in Long Beach.

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Find cheap homeowners insurance in Long Beach


Among the most important aspects of owning a home is homeowners insurance. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a house, purchasing a robust homeowners policy can seem like a great idea.

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. Learn more about the specifics of home insurance coverage.

If you want to find inexpensive home insurance in Long Beach, start with shopping around and comparing different policies. Check out the below summary of average home insurance premiums in Long Beach to help you get as much information as possible when you start your search for homeowners insurance. 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.


Long Beach, California, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP
  4. Rates by deductible amount
  5. Policy bundling discounts

Home insurance in Long Beach by company

What you pay for homeowners insurance in Long Beach will depend on the insurance company you get your policy through. The most inexpensive home insurance in Long Beach comes from Mercury, which offers average annual rates of just $545 per year. This is more favorable than the city’s average home insurance premium of $869.

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


AFFORDABLE HOME INSURANCE COMPANIES IN LONG BEACH
CompanyAverage Annual Rate
Mercury$545
Allstate$563
AAA$647
USAA$655
State Farm$709

Average home insurance prices in Long Beach by coverage limit

The amount of homeowners coverage you select has an impact on your insurance rates. In Long Beach, carrying $200K dwelling coverage costs an average of $620, while carrying additional coverage up to $400K costs $1,203 per year.


HOMEOWNERS INSURANCE RATES IN LONG BEACH — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$372
$200,000 Dwelling$620
$250,000 Dwelling$794
$400,000 Dwelling$1,203

Long Beach homeowners insurance prices by ZIP code

Depending on which part of Long Beach you live in, you could see vastly different home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, your home's location could have a huge impact in what you pay for homeowners insurance.

To find the cheapest home insurance rates in Long Beach, look no further than 90840. In the 90840 area, homeowners coverage usually costs just $842 per year — a full $27 less than the Long Beach average. If you’re looking for the areas with the least expensive homeowners insurance rates in Long Beach, have a look at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN LONG BEACH
ZIP CodeAverage Annual Home Insurance Rate
90840$842
90807$843
90808$847

Other areas of Long Beach, it should be noted, face homeowners rates that are higher than the city average . These areas could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $914 makes 90810 the most expensive ZIP code in Long Beach for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN LONG BEACH
ZIP CodeAverage Annual Home Insurance Rate
90810$914
90813$897
90803$885

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. Irvine
  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 Long Beach

Homeowners have a lot of decisions to make when purchasing a homeowners insurance policy, including how high or low to set their deductible. A homeowners deductible is the total dollar amount that the insured must contribute toward a covered loss. Where you choose to set your homeowners deductible is linked to the overall cost of your coverage.

In general, choosing a lower deductible means that your insurance rates will be higher. This means that those seeking lower home insurance costs will want to consider a higher homeowners deductible. It's worth calling out that your deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The following table illustrates the average premiums affiliated with most deductibles.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE IN LONG BEACH
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$891
$1,000$794
$1,500$753
$2,000$674
$5,000$568

Money-saving tip: bundle home and auto insurance in Long Beach

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Long Beach leads to average annual savings of 12%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN LONG BEACH
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,309
GEICO$1,415
Farmers$1,665
Allstate$1,895
CSAA$1,975

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


Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.