How much is homeowners insurance in Los Angeles, California?

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The average cost of homeowners insurance in Los Angeles is $1,583 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 $999 less than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Los Angeles depend on a number of factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
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 Los Angeles, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Los Angeles.

Key Takeaways

The average cost of homeowners insurance in Los Angeles is $1,583 per year.
Allstate is the cheapest homeowners insurance company in Los Angeles with an average annual premium of $781 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $413 more a year for home insurance.

How much is homeowners insurance in Los Angeles per month?

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Los Angeles pay an average of $132 per month. It’s $16 more than the state average of $116 and $83 less than the national average for home insurance across the nation.

How much is homeowners insurance for a $200,000 house in Los Angeles?

In Los Angeles, homeowners pay an average of $1,170 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. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Los Angeles?

Los Angeles residents pay an average of $1,583 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $413 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

How much is homeowners insurance in Los Angeles by company?

Among the carriers we analyzed, Allstate is the cheapest homeowners insurance company in Los Angeles. Its average annual rate for Los Angeles homeowners is $781 , while CSAA Insurance (AAA) ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Los Angeles and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home insurance company	Annual rate
Allstate	$781
CSAA Insurance (AAA)	$948
Travelers	$1,294
Auto Club Enterprises (AAA)	$1,338
State Farm	$1,516
Mercury Insurance	$1,530
Nationwide	$1,762
Farmers	$2,180
USAA*	$1,418

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

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in California that can impact your home insurance

Living in California comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

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

How home insurance protects you against natural disasters

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

TIP

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

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