Home Insurance in Irvine, CA

Learn how to find affordable homeowners insurance in Irvine.

Affordable Homeowners Insurance in Irvine, California

Irvine is one of the safest cities in America. It has the lowest rate of violent crime of cities with more than 100,000 residents, according to FBI statistics. Throughout the city, you can see proof that residents take pride in making their neighborhoods welcoming. Given its thriving economy, it’s no surprise that Irvine is home to more than a hundred corporate headquarters.

Median home prices in the area are $864,400, about $300,000 more than California’s overall median. The higher cost of living makes it all the more important to save where you can by finding affordable California home insurance.

Irvine Home Insurance Costs

The average cost of home insurance in Irvine is $1,640 a year with Kin. Compare that to $1,873 from Allstate and $1,707 from Travelers. An Irvine homeowner may save $233 or 14 percent on their homeowners insurance if they switched to Kin from Allstate.

Average Irvine Home Insurance Premiums by Company

Kin Allstate Travelers
$1,640 $1,873 $1,707

Averages give you a good idea of what the costs in your area look like, but the only way to know for sure what you’ll pay for coverage is to get a quote. Your quote will reflect your home: its size, age, construction, and safety features. These can make your cost higher or lower than the average.

What Irvine Home Insurance Covers

If you’re new to homeowners insurance, you can get a high-level overview of what your policy covers by turning to the declarations page, usually the first page in your packet. With Kin, all our policies offer this protection:

  • Replacement cost dwelling coverage: Pays repair or rebuild your home – the actual structure – if it’s damaged in a covered loss.
  • Other structures coverage: Covers the costs to repair or replace other structures on your property, like fences, gazebos, and sheds.
  • Personal property coverage: Replaces or repairs your belongings if they’re damaged by a covered loss, like fire or theft.
  • Loss of use coverage: Provides an allowance for additional living expenses if you have to stay somewhere else because your home was damaged in a covered event.
  • Personal liability coverage: Pays legal and settlement costs when you’re sued over someone’s property damage or bodily injury.
  • Medical payments coverage: Pays for immediate medical expenses when guests are injured while visiting you.

You can also customize your policy with endorsements. For example, if you have a golf cart, you can add on golf cart coverage. If you’re worried about mold damage, there’s an endorsement for that, too.

Irvine’s Major Risks

Our home insurance policies cover damage to your home from all events except for those explicitly excluded. That covers a lot of ground – damage from fire, windstorms, internal water damage (e.g., leaking appliances), theft, vandalism, and more. But there are a couple big events that don’t come with a standard policy that Irvine homeowners may want to consider.

Irvine Wildfire Insurance

Many Irvine homeowners may live inside what’s called the Wildland / Urban Interface (WUI). This is a region next to open space areas and is at risk for wildfires. In the past, getting homeowners insurance was tricky for folks in this region because the risk of wildfires is so great. All our policies include wildfire insurance to make sure you’re protected for the risks your property may face.

Irvine Flood Insurance

The fact that Southern California is in a drought doesn’t mean that the area isn’t prone to flooding. Thanks to the dry, clay-like soil, rain can rarely saturate the ground. Instead, it runs off hills and slopes, pooling in low lying areas. Homeowners insurance may cover water damage from a burst pipe in the house, but it won’t cover floods. You can add on flood insurance for this protection.

Irvine Earthquake Insurance

The San Andreas and San Jacinto faults run through Irvine, making earthquake damage a big risk for homeowners here. Unfortunately, earthquakes aren’t covered by a standard homeowners insurance policy, but you can add on earthquake insurance for that protection.

How to Get Lower Irvine Home Insurance Costs

Want to save even more on your insurance? We’ll check to see if you can get these easy home insurance discounts:

  • Smart home safety and security devices.
  • Secure communities.
  • Electronic policies.
  • Ember resistant venting.
  • Annual brush removal contract.
  • LEED-certified homes.
  • New homebuyers.

You can also adjust your deductible to help you save more. Usually, the higher your deductible, the lower your premium. Just make sure you only take on a deductible you can spare on short notice. It will be deducted from your claims payout.

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