Los Angeles Homeowners Insurance

Find affordable homeowners insurance in Los Angeles


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

Home insurance in Los Angeles by company

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.


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

Average homeowners insurance prices in Los Angeles by coverage level

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.


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

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Los Angeles home insurance rates by ZIP code

Not every area of Los Angeles has equal 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 home insurance.

If you're looking for the cheapest homeowners coverage in Los Angeles, take at 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.


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 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.


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

Home insurance deductibles in Los Angeles

Among the numerous decisions homeowners face when purchasing homeowners insurance is how high to set the deductible. A deductible is the 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.


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

Looking for a money-saving tip for insurance in Los Angeles? Try bundling

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%.


CHEAPEST AUTO INSURANCE PREMIUMS 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

Bundling your homeowners and auto policies can be a great way to save some money on insurance.


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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 been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.