Long Beach Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in Long Beach


Home insurance is a hugely important part of owning a home. Home insurance policies provide coverage against fire, wind damage, and theft for your home and the contents inside it. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a home, investing in homeowners coverage can seem like a great move.

The price of a home insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils likewindstorms, hail, fire, or even theft , home insurance policies may be more expensive to account for the extra risk. Discover more info about what your homeowners insurance policy covers.

If you want to find cheap homeowners insurance in Long Beach, start with shopping around and comparing policies. Have a look at the summary below comparing average Long Beach homeowners insurance premiums to ensure you start your search with as much background info as possible. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.


Long Beach, California, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Long Beach by insurance company

What you pay for homeowners insurance in Long Beach will depend on the insurance company you get your policy through. Mercury offers the most affordable home insurance in Long Beach, at just $545 per year. This compares favorably to the city’s average homeowners premium of $869.

Begin your search for a home insurance policy by reviewing the cheapest companies in Long Beach, California, listed below.


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

Average homeowners insurance costs in Long Beach by coverage level

The level 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 $1,144/year.


HOMEOWNERS INSURANCE RATES IN LONG BEACH — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$620
$400K Dwelling$1,144

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Long Beach home insurance rates by ZIP code

Depending on which part of Long Beach you live in, you may see vastly different home insurance costs. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, the neighborhood you live in can drastically affect your home insurance rates.

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. The below table shows the best places to live in Long Beach if you’re looking for affordable homeowners insurance.


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

Other areas of Long Beach, however, face homeowners rates that surpass 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. With an annual average premium of $914, 90810 comes in as the costliest ZIP code in Long Beach for home insurance.


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



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

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Long Beach could, in fact, lead to average annual savings of 12%.


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

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance specialist today.


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