How much is homeowners insurance in Huntington Beach,CA

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Huntington Beach is $1,445 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,137 less than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Huntington Beach depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

CSAA Insurance (AAA) is the cheapest homeowners insurance company in Huntington Beach with an average annual premium of $1,445 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Huntington Beach. Keep reading to learn about the monthly cost of homeowners insurance in Huntington Beach, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Huntington Beach.

Key takeaways

Homeowners insurance costs $1,445 per year in Huntington Beach.
At $801 per year, CSAA Insurance (AAA) offers the cheapest homeowners insurance in Huntington Beach.
Your home insurance rates increase by $376 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Huntington Beach per month

Huntington Beach homeowners pay an average of $120 a month, based on our rate analysis. It’s $4 more than the state average of $116 and $95 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Huntington Beach may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in Huntington Beach

In Huntington Beach, CA, homeowners pay an average of $1,069 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Huntington Beach

Based on a rate analysis conducted by Insure.com, Huntington Beach residents pay an average of $1,445 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $376 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Huntington Beach by company

Among the carriers analyzed, CSAA Insurance (AAA) is the most affordable homeowners insurance company in Huntington Beach, offering an average annual rate of $801.

Allstate ranks second, while Auto Club Enterprises (AAA) holds the third spot with an average annual rate of $1,079.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Huntington Beach and compiled a list of the most affordable options.

Below are the details of home insurance companies in Huntington Beach and their average annual premiums.

Home insurance company	Annual rate
CSAA Insurance (AAA)	$801
Allstate	$885
Auto Club Enterprises (AAA)	$1,079
Travelers	$1,149
State Farm	$1,344
Nationwide	$1,483
Mercury Insurance	$1,786
Farmers	$1,933
USAA*	$1,345

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Huntington Beach for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.