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

 

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

 

Homeowners insurance in Long Beach by insurance company

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.

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

 

Average homeowners insurance prices in Long Beach by coverage level

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.

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

 

Long Beach homeowners insurance prices by ZIP code

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.

 
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. 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.

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

 

Homeowners insurance deductibles in Long Beach

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.

 
HOMEOWNERS INSURANCE RATES 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

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.

 
CHEAPEST AUTO INSURANCE PREMIUMS WITH A POLICY 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
 

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.

 

Compare home insurance quotes today!

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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 masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.