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Home insurance is an important part of owning a home. Fire, vandalism, theft, and wind damage are just some of the perils from which home insurance can protect your dwelling and other personal belongings. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a house, investing in homeowners coverage can seem like a great idea.
The cost of home insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Find out more about the specifics of home insurance coverage.
Finding the cheapest home insurance in Los Angeles starts with shopping around and comparing policies. Have a look at the summary below comparing average homeowners insurance rates in Los Angeles to begin your homeowners insurance search with as much information as you can. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.
Los Angeles homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Los Angeles comes from Mercury, which offers average annual rates of just $625 per year. This is more favorable than the city’s average home insurance premium of $1,072.
To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Los Angeles, California.
| Company | Average Annual Rate |
| Mercury | $625 |
| Allstate | $678 |
| USAA | $801 |
| Nationwide | $855 |
| AAA | $876 |
The amount of homeowners coverage you select has an impact on your insurance premiums. In Los Angeles, carrying $200K dwelling coverage costs an average of $764, while carrying additional coverage up to $400K costs $1,523/year.
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $461 |
| $200K Dwelling | $764 |
| $250K Dwelling | $992 |
| $400K Dwelling | $1,523 |
Not every area of Los Angeles has equal 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, your home's location could have a huge impact on what you pay for home insurance.
If you're looking for the cheapest homeowners coverage in Los Angeles, take a look at the 90501 ZIP code. In the 90501 area, homeowners policies typically cost just $837 a year — a full $234 less than the Los Angeles average. Find the best places to live in Los Angeles for cheap home insurance by looking at the table below.
| ZIP Code | Average 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 proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. An average annual rate of $1,272 makes 90210 the most expensive ZIP code in Los Angeles for homeowners coverage.
| ZIP Code | Average Annual Home Insurance Rate |
| 90210 | $1,272 |
| 90069 | $1,216 |
| 90073 | $1,214 |
Among the numerous decisions homeowners face when purchasing homeowners insurance is how high to set the deductible. A deductible is an amount for which a homeowner is responsible before an insurance company steps in to cover costs. Choosing your deductible plays a significant role in how much you pay for your home policy.
When thinking about your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. As such, if you want to keep your insurance rates low, aim for a higher deductible. Bear in mind that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.
Have a look at may of the typical deductibles offered by home insurance companies and an approximation of average premiums.
| Deductible Level | Average Annual Homeowners Insurance Rate |
| $500 | $1,110 |
| $1,000 | $992 |
| $1,500 | $938 |
| $2,000 | $840 |
| $5,000 | $702 |
If you’re looking for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in Los Angeles leads to average annual savings of 12%.
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| Mercury | $1,615 |
| GEICO | $1,737 |
| CSAA | $1,975 |
| Farmers | $2,189 |
| State Farm | $2,483 |
Bundling your homeowners and auto policies can be a great way to save some money on insurance.
