Home Home insurance Average home insurance cost California Huntington Beach, CA How much is Homeowners Insurance in Huntington Beach, CA By Insure.com's Editor | Posted on April 6, 2022 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. The average cost of homeowners insurance in Huntington Beach is $1,161 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s ~$1,121 less than the national average of $2,282. However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Huntington Beach depend on a number of factors, including: Size of your home Age of your home Amount of coverage you need Location Your credit score To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Huntington Beach, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Huntington Beach. In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Huntington Beach. How much is homeowners insurance in Huntington Beach per month Huntington Beach homeowners pay an average of $96.75 a month, based on our rate analysis. It’s ~$1 more than the state average of $95.33 and ~$93 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 The average cost of homeowners insurance in Huntington Beach, CA is $805 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city. Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage. How much is homeowners insurance for a $300,000 house in Huntington Beach According to a rate analysis by Insure.com, homeowners in Huntington Beach pay an average of $1,161 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible. If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $356 more a year for home insurance. It would be best to buy enough insurance to cover the full 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 Huntington Beach by Company Among the carriers analyzed, Allstate Ins Grp is the cheapest homeowners insurance company in Huntington Beach. Its average annual rate for Huntington Beach homeowners is $816 . Travelers Grp ranks second and United Serv Automobile Assn Grp makes it to the third spot with an average annual home insurance rate of $908 . Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Huntington Beach and prepared a list of the top ten cheapest home insurance providers. You can find below the Huntington Beach home insurance companies and their average annual premium. Home Insurance CompanyAnnual rateCSAA Ins Grp$998United Serv Automobile Assn Grp$908Travelers Grp$906Allstate Ins Grp$816Farmers Ins Grp$1,602Nationwide Corp Grp$1,370Auto Club Enterprises Ins Grp$1,074Liberty Mut Grp$1,072State Farm Grp$1,017 How much is home insurance in other citiesLos AngelesSanta ClaritaTemeculaCosta MesaChinoAnaheimClovisSan FranciscoBrisbane Related Articles Does homeowners insurance cover storage units? By Lena Borrelli How to file a successful mold claim By Mark Vallet How to hire a public insurance adjuster after a disaster By Nupur Gambhir Guide to additional living expenses insurance By Lena Borrelli Does homeowners insurance cover theft? By Nupur Gambhir Does homeowners insurance cover code upgrades? By Nupur Gambhir Table of contents How much is homeowners insurance in Huntington Beach per month How much is homeowners insurance for a $200,000 house in Huntington Beach How much is homeowners insurance for a $300,000 house in Huntington Beach How much is homeowners insurance in Huntington Beach by Company Get instant quotes now ! Please enter valid zip Get quote