Long Beach, CA Homeowners Insurance

Long Beach is located just half an hour away from Los Angeles. This waterfront city is a hidden gem in the state of California. The city is home to many attractions, including the RMS Queen Mary, Aquarium of the Pacific, and many more. Long Beach is famous for its beautiful beaches and festivals, such as the Grand Prix of Long Beach, IndyCar Race, and the Long Beach Pride Festival and Parade.  

There are many family-friendly beaches in the city, where you can enjoy boating, kayaking, and other water sports. Along with waterfront adventures, you can also enjoy retail therapy at the vintage boutiques located on 4th Street. Long Beach offers urban sophistication wrapped in waterfront scenes.

As of 2021, the city has a total population of 463,218, making it the 43rd most populated city in the United States. There are 175,869 housing units in Long Beach, with a homeownership rate of 40.8%, which is lower than the national average. The median value of a home in the city is $476,399. Buying a home is the biggest investment of anyone’s life, which makes it inevitable to get homeowners insurance. Long Beach homeowners insurance will protect your property from any unforeseen financial losses that might incur due to accidents or natural disasters. Although it is not legally required to purchase homeowners insurance, it’s wise to get one anyway. 

If you are looking to buy homeowners insurance in Long Beach, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in Long Beach 

Finding the right homeowners insurance can be overwhelming, but getting the right price doesn’t have to. To get the best rate for your homeowners insurance in Long Beach, you should start your research by comparing rates from the best-rated companies in your area. 

In Long Beach, the average homeowner insurance rate is $1,480, which is slightly higher than the national average.  

Long Beach Homeowners Insurance Rates Compared to State and National Averages

Long Beach Average Home Insurance Cost (annual)California AverageUnited States Average
$1,480$1,173$1,444

Long Beach Homeowners Insurance Premiums by Company

In Long Beach, homeowners insurance rates may vary from company to company as they all offer different types of coverages. The cost of your homeowners insurance depends on several factors, including the insurance company’s system to determine your policy rates. 

Mercury offers the most affordable Long Beach homeowners insurance policy valued at $539 per year. Take a look at the table below and see rates offered by different insurance providers in Long Beach. 

Long Beach Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate

Mercury

$539

Allstate

$561

AAA

$643

USAA

$656

State Farm

$718

Long Beach Homeowners Insurance Rates by Coverage Amount 

When you buy a homeowners insurance policy, you will be asked to choose a dwelling coverage limit used to pay for the replacement or repair cost of your property in case of a disaster. Depending on the chosen dwelling coverage, your homeowners insurance rates will fluctuate. 

Here’s how different coverage levels affect your annual homeowners insurance cost in Long Beach:

Homeowners Insurance Rates in Long Beach by Coverage Limits

Dwelling Coverage AmountAnnual Home Insurance Cost
$100,000$371
$200,000$618
$300,000$937
$400,000$1,200
$500,000$1,326
$750,000 to $1000,000$1,834

Long Beach Homeowners Insurance Rates based ZIP Codes

Homeowners insurance rates change from company to company, state to state, city to city, and from one neighborhood to another. Your homeowners insurance companies use local variables to calculate the insurance cost, including the property’s location, age of the house, number of claims filed from your neighborhood, and the crime rate. 

Take a look at the table below, as we have listed the homeowners insurance rates in Long Beach based on different ZIP codes. 

Cost of Homeowners Insurance in Long Beach based ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Bryant Road90815$694
Gundry Ct90813$972
Virgil Walk90803$1,209
Volk Ave90808$1,312
E 1st Street 190802$2,340
Gladys Ave90804$4,404

Popular Home Insurance Deductibles in Long Beach 

One of those big decisions related to homeowners insurance is to decide the deductible amount. A deductible is a dollar amount that a homeowner is responsible for paying when filing an insurance claim. A high deductible can help you to reduce the cost of your homeowners insurance premium. 

The following table shows how Long Beach homeowners insurance rates fluctuate based on different deductible amounts. 

Homeowners Insurance Cost in Long Beach based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,463
$1,000$1,322
$1,500$1,244
$2,000$1,130
$5,000$961

Homeowners Insurance Coverages Available in Long Beach 

A standard homeowners insurance policy in Long Beach provides the following coverages:

  • Dwelling Coverage – Provides coverage for any damage to the physical structure of your home. 
  • Attached Structures Coverage – Protects the monetary loss for any structure attached to your home, such as a garage or shed. 
  • Personal Property Coverage – Provides coverage to your home’s content, including clothes, furniture, appliances or equipment, and jewelry. 
  • Personal Liability Coverage – Provides coverage if someone gets injured on your property or if a resident of your home caused the injury. 
  • Medical Expenses Coverage – Covers the medical expenses if someone gets injured at your property. 
  • Additional Living Expense – Covers additional living expenses that might incur while living away from your home during an insurance claim. 

Best Home Insurance Companies in Long Beach

Generally, homeowners purchase their insurance policy based on the price offered by the insurance companies. Unfortunately, the cost is not the only factor that needs to be considered. When you buy homeowners insurance, you must pay attention to the company’s financial background, claim process, and customer service. 

To make your research easier, we have listed the best Long Beach homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Long Beach

CompanyJ.D. Power RankingA.M. Best RatingBBB Rating
GEICO5 out of 5 starsA++ (Superior)A+
State Farm 4 out of 5 starsA++ (Superior)A
Nationwide 3 out of 5 starsA+ (Superior)A+
Farmers  3 out of 5 starsA+ (Superior)A+
Liberty Mutuals 3 out of 5 starsAA-

Top Homeowners Insurance Agents in Long Beach

Homeowners Insurance Agency Near Long BeachAddress
Farmers Insurance 4125 Norse Way, Long Beach, CA 90808
AIS | Auto Insurance Specialists | Long Beach5000 E Spring St, Long Beach, CA 90815
Top Auto Insurance2760 E Spring St #150, Long Beach, CA 90806, United States
Allstate Insurance 4700 E 7th St, Long Beach, CA 90804, United States
State Farm Insurance Agent5624 2nd St, Long Beach, CA 90803, United States
State Farm Insurance Agent6272 Pacific Coast Hwy STE C, Long Beach, CA 90803, United States
State Farm Insurance Agent5150 E Colorado St, Long Beach, CA 90814, United States

Common Causes of Home Insurance Claims in Long Beach

Unforeseen disasters can never be avoided. Regardless of your extreme efforts to safeguard your property, it can be damaged by different means, including floods, wildfires, thefts, and vandalism. Here are the top causes of homeowners insurance claims in Long Beach:

  • Fire and smoke
  • Earthquake and mudslide
  • Water damages caused by floods
  • Wind and hail damages
  • Vandalism, theft, and burglary 
  • Water damages caused by appliance failure or plumbing

Money-Saving Tips for Long Beach Homeowners Insurance 

Homeowners insurance keeps your property protected, but it can be very expensive. The best way to save money on your Long Beach homeowners insurance is by bundling it up with your auto insurance. If you have the same provider for both home and auto insurance, you can ask them to provide you a package that offers sufficient coverage on both assets. 

By bundling your auto and home insurance, you can save up to 20% on your premium. Refer to the following table to see how bundling your home and auto insurance affects your insurance premiums. 

Auto & Homeowners Insurance Bundling Discounts in Long Beach

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,303
GEICO$1,411
Farmers$1,662
Allstate$1,894
CSAA$1,980

Special Resources for Residents of Long Beach: 

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Long Beach, CA Homeowners Insurance FAQs

Standard homeowners insurance covers multiple perils, excluding:

  • Earthquakes, sinkholes, and other damages caused by the movement of the earth
  • Damages that incur due to lack of regular maintenance
  • Damage caused by war or nuclear hazard
  • Damages caused by floods

Long Beach homeowners insurance does cover any roof damages and will pay the cost to replace it, only if it was damaged by a sudden accident or natural disaster. The damages caused by general wear and tear are excluded from standard homeowners insurance coverage. 

To file a claim, the residents of Long Beach must use a standard claim form. The form must be completed thoroughly, as incomplete information may cause delays in the claim process. For claims related to death, injury to a person, or personal property, you must submit a claim within six months after the date of occurrence. For claims related to the physical property must be filled with one year. 

Your homeowners insurance premium is affected by several variables. Here are some of the most common factors that have an impact on the cost of your insurance policy:

  • Your home’s characteristics, including the type of construction, roof type, square footage, age, and value, will affect the insurance premium. 
  • Your location impacts your homeowners insurance premium. Areas with high crime rates and a higher risk of natural disasters will have higher premiums.
  • Your chosen deductible amount also affects the insurance cost. 
  • Your insurance provider uses your claim history to assess your risk factor. 
  • If you have a lot of personal possessions that include expensive items, your insurance premium will cost more. 

There are a number of factors that can decrease the homeowner insurance in Long Beach, such as:

  • Repair your home from time to time.
  • Install home safety systems. 
  • Increase the deductible amount.
  • Reduce the risk of unexpected accidents.

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