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How to find affordable 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 average homeowners policy costs $72 per month in Long Beach, California. This is less than the average American's monthly home insurance payment.

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.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings
 

Long Beach home insurance 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. You can also see our list of which home insurance carriers ranked best for customer satisfaction

 
AFFORDABLE HOME INSURERS IN LONG BEACH
Company Average Annual Rate
Mercury $545
Allstate $563
AAA $647
USAA $655
State Farm $709
 

Long Beach homeowners insurance prices by coverage level

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.

 
POPULAR COVERAGE LIMITS IN LONG BEACH
Coverage Level Average Annual Rate
$100,000 Dwelling $372
$200,000 Dwelling $620
$250,000 Dwelling $794
$400,000 Dwelling $1,203
 

Long Beach home insurance rates 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 HOME INSURANCE AREAS IN LONG BEACH
ZIP Code Average 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 HOME INSURANCE AREAS IN LONG BEACH
ZIP Code Average Annual Home Insurance Rate
90810 $914
90813 $897
90803 $885
 

Long Beach homeowners insurance deductibles

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 LEVEL IN LONG BEACH
Deductible Level Average Annual Homeowners Insurance Rate
$500 $891
$1,000 $794
$1,500 $753
$2,000 $674
$5,000 $568
 

Home and auto insurance bundling 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 CAR INSURANCE RATES WITH HOME BUNDLE IN LONG BEACH
Company Avg. Annual Auto Insurance Rate (With Bundle)
Mercury $1,309
GEICO $1,415
Farmers $1,665
Allstate $1,895
CSAA $1,975

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.