Costa Mesa, CA Homeowners Insurance Rate Quotes!

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Are you unsure which Costa Mesa, CA homeowners insurance package is right for you?

If you are confused about which home insurance policy is the best fit for you in the Costa Mesa area, then you have come to the right place. We strive to help everyone in your area find more affordable homeowners insurance rates with enhanced coverage benefits for that added protection when you need it the most. Why not protect your most valuable investment? When we compare your free home insurance rate quotes, we also apply additional home insurance discounts that may help you improve your coverage and save you money on your monthly premium. To get your free Costa Mesa homeowners insurance rates, just enter your zip code to start your hassle free shopping experience.

How to Compare the Best Costa Mesa Home Insurance Rates

One of the many questions we get from customers living in Costa Mesa, CA has to do with comparison shopping. Homeowners are interested in what the average rates are for a standard homeowners insurance policy in Orange County. Homeowners of Costa Mesa, CA currently pay $870 a year ($73 a month) for a standard HO-3 policy on average, where the majority of the United States home insurance premiums are estimated to be around $1311. When we shop and compare rates for you it is likely to expect a range of quoting and coverage options that may be as low as $620 a year to $1,170 a year or higher depending on the replacement cost coverage, your preferred deductible plan and the discounts that we can apply to help you save a little extra every month. It's not uncommon with all discounts applied including a home and auto package that savings can be in the range of 40% or more. Let us help you discover more affordable Costa Mesa home insurance rates today for your home. Shop online or give us a call now: 1-855-976-2656.

Costa Mesa Demographics & Housing Facts

SourceValue
Location:Costa Mesa, CA (ORANGE County)
Population:109,960
Occupied Residents:40,296
Average Real Estate Value Per Zip Code:$751,850

Compare Homeowners Insurance Rates in Costa Mesa, CA!

Enter your Zip Code:    

Get up to 12 competitive Costa Mesa, CA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Costa Mesa, CA rates all in one place!

Servicing Costa Mesa, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Costa Mesa agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our Costa Mesa, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the Costa Mesa, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Costa Mesa

Are you looking for homeowners insurance in a city near Costa Mesa? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Costa Mesa, CA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Costa Mesa.

92626,     92627,     

Costa Mesa, CA Home Insurance Average Premiums

Local Costa Mesa, CA home insurance quotes comparison

$620 /yr.

Shows Costa Mesa's lowest average rates with discounts applied.

For the city of Costa Mesa, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$620 /yr.
Average Coverage:$870 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1170 /yr.

What is the average home insurance cost for a home in Costa Mesa, CA?

  • • The average homeowners insurance premium paid annually for a home in Costa Mesa is around $870 per year.

What does it cost on average per month for home insurance in Costa Mesa, CA?

  • • Homeowners in Costa Mesa pay an average cost per month around $73.00 for insurance coverage.

Costa Mesa, CA Coastal Wind, Hail & Flood Information

Costa Mesa is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Costa Mesa is know for it's beautiful beaches and waterways. Because Orange County (FIPS: 6059) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Costa Mesa, CA.

Costa Mesa, CA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $1,183,395 $1,099,142
February $1,169,145 $1,128,617
March $1,160,793 $1,161,735
April $1,164,632 $1,191,599

Homeowners insurance will help cover the cost to repair or replace your Costa Mesa home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Costa Mesa
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Costa Mesa, CA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Costa Mesa, CA rates all in one place!

Saving Money Tips on Costa Mesa Home Insurance

A great way to save money on Costa Mesa homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Costa Mesa area? Check out what homeowners are paying on average for California homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
63 ft. This is the average home elevation in Costa Mesa, CA

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Costa Mesa, California.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Costa Mesa, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Orange County.

California Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

Costa Mesa, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Costa Mesa so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Costa Mesa, CA?

- The average square footage in Costa Mesa is around 1,435 Sq. Ft. which would cost you around $751,850 to replace the home if you base the home on the price to build per square foot of $524.

Minimum Replacement Cost Total: $751,850

Location: Costa Mesa, California (Orange County)

Average Building Cost Per Square Foot in Costa Mesa: $524 (low end)

Average Square Footage in Costa Mesa: 1,435 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$524$751,850
Some Additional Upgrades$655$939,813
Major Home Updates or Advancements$786$1,127,775

The dwelling coverage is calculated by the average cost per square foot ($524) in Costa Mesa, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,637,500 (Media price to build of $655 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.