Los Angeles, CA Homeowners Insurance

Explore The Zebra's expert tips on how to find cheap home insurance in LA.

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How to find affordable homeowners insurance in Los Angeles

 

One of the most important aspects of homeownership is home insurance. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, homeowners coverage is a solid investment.

What you pay for homeowners 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. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more info about what your homeowners insurance policy covers.

If you want to find cheap home insurance coverage in Los Angeles, start with looking around and comparing a variety of different policies. Check out the below summary of average homeowners insurance rates in Los Angeles to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.

 

Los Angeles, 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 Los Angeles by insurance company

Los Angeles homeowners insurance rates will vary depending on which insurance company you choose. Mercury offers the most affordable home insurance in Los Angeles, at just $625 per year. This compares favorably to the city’s average homeowners premium of $1,072.

Start your search for a home insurance policy by reviewing the cheapest companies in Los Angeles, California, listed below.

 

AFFORDABLE HOME INSURERS IN LOS ANGELES
CompanyAverage Annual Rate
Mercury$625
Allstate$678
USAA$801
Nationwide$855
AAA$876

 

Average homeowners insurance costs in Los Angeles by coverage amount

How much you pay for home insurance coverage is greatly influenced by the level of coverage you choose. In Los Angeles, carrying $200K dwelling coverage costs an average of $764, while carrying additional coverage up to $400K costs $1,523 per year.

 

HOMEOWNERS INSURANCE RATES IN LOS ANGELES — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$461
$200K Dwelling$764
$250K Dwelling$992
$400K Dwelling$1,523

 

Los Angeles home insurance prices by ZIP code

Depending on the part of Los Angeles you live in, you may see a dramatic difference in your home insurance costs. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically influence your home insurance rates.

The cheapest home insurance rates in Los Angeles are available in 90501. In 90501, the typical home insurance policy costs $837 per year — $234 less than the citywide average in Los Angeles. If you’re looking for the areas with the least expensive homeowners insurance in Los Angeles, have a look at the table below.

 

AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN LOS ANGELES
ZIP CodeAverage Annual Home Insurance Rate
90501$837
90732$860
90731$878

On the other hand, some areas of Los Angeles face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which could drive up the area's insurance costs. The most expensive ZIP code for homeowners insurance in Los Angeles is 90210, where the average annual rate is $1,272.

 

EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN LOS ANGELES
ZIP CodeAverage Annual Home Insurance Rate
90210$1,272
90069$1,216
90073$1,214

 

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. Long Beach
  8. Oakland
  9. Riverside
  10. Sacramento
  11. San Bernardino
  12. San Diego
  13. San Francisco
  14. San Jose
  15. Santa Ana
  16. Stockton

 

Home insurance deductibles in Los Angeles

Among the numerous decisions faced by homeowners when buying homeowners insurance is how high or low to set the deductible. A deductible is an amount for which a homeowner is responsible before the insurer will cover a claim. The deductible that you decide on can have a big impact on home insurance rates.

When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. As such, if you want lower insurance rates, aim for a higher deductible. It's worth noting that a homeowners deductible should only be as high as you can reasonably pay in the event of a loss.

Have a look at the average deductibles offered by home insurance companies and an estimate of average homeowners insurance rates.

 

HOME INSURANCE COSTS BY DEDUCTIBLE IN LOS ANGELES
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,110
$1,000$992
$1,500$938
$2,000$840
$5,000$702

 

Money-saving tip for home and auto insurance in Los Angeles: bundling

You might want to consider purchasing your auto and homeowners policies through the same company if you are searching for the best overall prices. Bundling home and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Los Angeles could, in fact, lead to average annual savings of 12%.

 

CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN LOS ANGELES
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,615
GEICO$1,737
CSAA$1,975
Farmers$2,189
State Farm$2,483

 

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

Compare quotes to find an affordable policy!

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.