Learn more about how to find affordable homeowners insurance in Long Beach.
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Home insurance is an important investment for any homeowner. Along with personal property, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, a homeowners 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 dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Find out more info about what is covered by a homeowners insurance policy.
If you want to find affordable 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 begin your home insurance search with as much information 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.
Long Beach homeowners insurance rates will vary depending on which insurance company you choose. 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 homeowners premium of $869.
To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Long Beach, California.
|Company||Average Annual Rate|
Your chosen level of homeowners coverage impacts the insurance premiums you pay. In Long Beach, carrying $200K dwelling coverage costs an average of $620, while carrying additional coverage up to $400K costs $1,203 per year.
|Coverage Level||Average Annual Rate|
Depending on which part of Long Beach you live in, you could see a big difference in your home insurance costs. The number of claims filed in your local area can be a factor in determining the price of your policy. Put simply, where you live could have a huge impact on what you pay for home insurance.
The cheapest home insurance rates in Long Beach are available in 90840. In 90840, the typical home insurance policy costs $842 per year — $27 less than the citywide average in Long Beach. Find the best places to live in Long Beach for cheap home insurance by looking at the table below.
|ZIP Code||Average Annual Home Insurance Rate|
Other areas of Long Beach, it should be noted, face homeowners rates that are higher than the city average. Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. The most expensive ZIP code for homeowners insurance in Long Beach is 90810, where the average annual rate is $914.
|ZIP Code||Average Annual Home Insurance Rate|
Homeowners face a number of choices when buying a policy, including how much their deductible should be. The deductible is the total dollar amount that the insured must contribute toward a covered loss. Where you choose to set your homeowners deductible is directly related to the overall cost of your coverage.
When choosing a deductible, bear in mind that the higher your deductible is, the lower your insurance rates will be. As such, if you want lower insurance rates, aim for a higher deductible. It's worth noting that your deductible should only be as high as you can reasonably pay in the case of an actual loss.
Have a look at some of the average deductibles offered by home insurance companies and an estimate of average insurance costs.
|Deductible Level||Average Annual Homeowners Insurance Rate|
If saving money is your main concern, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance can be a good money-saving option. By bundling your policies, Long Beach homeowners could see annual savings of 12% on average.
|Company||Avg. Annual Auto Insurance Rate (With Bundle)|
It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.