Home Home insurance Average home insurance cost California Huntington Beach, CA How much is homeowners insurance in Huntington Beach, CA Homeowners insurance typically costs $1,445 annually in Huntington Beach, according to Insure.com’s rate analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: March 24, 2025 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. In Huntington Beach, homeowners pay an average annual rate of $1,445 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,137 less than the national average of $2,582.Homeowners insurance premiums can vary significantly from one property to another. In Huntington Beach, the cost of home insurance is influenced by several factors, including: Size of your home Age of your home Amount of coverage required Location Your credit score It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs. Read this guide to discover the monthly homeowners insurance cost in Huntington Beach, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Huntington Beach. Key Takeaways In Huntington Beach, homeowners insurance costs $1,445 annually.CSAA Insurance (AAA) offers the most affordable homeowners insurance in Huntington Beach with an average annual premium of $801.If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $376 higher. How much is homeowners insurance in Huntington Beach per month According to Insure.com’s rate analysis, residents of Huntington Beach 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 Huntington Beach can vary depending on your location, property value, and selected coverage options. 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 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality. Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying 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, while Allstate ranks second. 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)$801Allstate$885Auto Club Enterprises (AAA)$1,079Travelers$1,149State Farm$1,344Nationwide$1,483Mercury Insurance$1,786Farmers$1,933USAA*$1,345 TIPCombining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company. Common natural disasters in California that may affect home insuranceLiving in California comes with its unique challenges, particularly when it comes to the risk of natural disasters. These events can cause significant damage to homes and property, leading to potential insurance claims. Understanding which natural disasters are common in your area can help you make an informed decision when choosing your home insurance policy.Drought, Earthquake, Heat wave, Landslide and Wildfire are some of the common natural disasters in California that may affect your home insurance rates.How home insurance protects you against natural disastersHome insurance helps protect your property and belongings from the financial impact of natural disasters. While standard policies generally cover damages from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if your home becomes uninhabitable. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.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 $1000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other cities?AnaheimBrisbaneChinoClovisCosta MesaLos AngelesSan FranciscoSanta ClaritaTemeculaShivani GiteContributing 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? 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By Sarah Sharkey Cost of living comparison by state By Chris Kissell Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page 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 companyCommon natural disasters in California that may affect home insuranceHow home insurance protects you against natural disastersMethodology ZIP Code Please enter valid ZIP See rates