How much is homeowners insurance in Costa Mesa,CA

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In Costa Mesa, homeowners pay an average annual rate of $1,438 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $1,144 less than the national average of $2,582 .

Homeowners insurance rates change from one home to another. The home insurance premium in Costa Mesa depends on various factors, such as:

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

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Costa Mesa, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Costa Mesa.

Key Takeaways

The cost of your homeowners insurance policy in Costa Mesa can vary based on factors such as your location, the value of your home, and the coverage options you select.
CSAA Insurance (AAA) is the cheapest homeowners insurance company in Costa Mesa with an average annual premium of $795 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $371 more annually for home insurance.

How much is homeowners insurance in Costa Mesa per month

Residents of Costa Mesa pay an average of $120 per month for homeowners insurance. This is $4 more than the state average of $116 and $95 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Costa Mesa can vary depending on your location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Costa Mesa

The average cost of homeowners insurance in Costa Mesa, CA is $1,067 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

How much is homeowners insurance for a $300,000 house in Costa Mesa

As per rate analysis by Insure.com, homeowners residing in Costa Mesa typically pay an average of $1,438 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $371 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Costa Mesa by company

After comparing several homeowners insurance companies, CSAA Insurance (AAA) offers the lowest rates in Costa Mesa. Its average annual rate for homeowners in Costa Mesa is $795 , while Allstate is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Costa Mesa and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Costa Mesa and their average annual premiums.

Home insurance company	Annual rate
CSAA Insurance (AAA)	$795
Allstate	$937
Auto Club Enterprises (AAA)	$1,078
Travelers	$1,168
State Farm	$1,350
Nationwide	$1,483
Mercury Insurance	$1,672
Farmers	$1,952
USAA*	$1,309

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in California that can impact your home insurance

Living in California comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

California is commonly affected by Drought, Earthquake, Heat wave, Landslide and Wildfire.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Costa Mesa 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.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.