Home Insurance in Long Beach, CA

Learn how to find affordable homeowners insurance in Long Beach.

Affordable Homeowners Insurance in Long Beach, California

Long Beach, California, is the perfect place for waterfront lovers to lay down roots. From Alamitos Beach and Junipero Cherry Beach to Belmont Shore, there’s plenty of coast for everyone to enjoy. Even your dog is welcome at Rosie’s Dog Beach! History buffs can wander the RMS Queen Mary, a retired ocean liner and museum, moored in the Queensway Bay. Animal enthusiasts can explore the Aquarium of the Pacific complete with its touch tanks and shark lagoon. And there’s lots of art and culture in Long Beach, too, like the Rancho Los Cerritos museum and gardens.

But living on the coast comes with its risks, like floods or earthquakes. Long Beach homeowners need the right California home insurance to cover whatever comes their way.

Long Beach Home Insurance Costs

On average, Long Beach home insurance costs $1,388 a year with Kin. Other insurers aren’t much different: Allstate averages $1,333 a year and Travelers averages $1,395 a year. You can see how we compare below.

Average Long Beach Home Insurance Premiums by Company

Kin Allstate Travelers
$1,388 $1,333 $1,395

Remember, averages are useful for giving you a ballpark impression of what your insurance may cost. But your exact premium may be much lower depending on your home’s characteristics. Apply for a free quote to see if you can save money on your home insurance. Most homeowners who switch to Kin save hundreds.

What Long Beach Home Insurance Covers

Your policy protects your home and everything in it (well, almost!). It also covers accidents and mishaps. All our policies include:

  • Replacement cost dwelling coverage: Pays to repair or rebuild your home after it’s damaged or destroyed.
  • Other structures coverage: Repairs or replaces detached structures on the property, like gazebos, guest homes, and fences.
  • Personal property coverage: Repairs or replaces your personal belongings, like clothing, furniture, appliances, electronics, and more.
  • Loss of use coverage: Pays for additional living expenses – like hotel stays, laundry, and takeout – when a covered claim keeps you from living in your home.
  • Personal liability coverage: Covers legal fees and settlements when you’re sued over someone’s property damage or bodily injury.
  • Medical payments coverage: Pays for small medical bills when a guest is injured at your home.

You can also add on coverage with endorsements. Think of these as mini-policies that customize your coverage so it fits your needs and lifestyle. For example, if you have dogs, adding animal liability insurance may make sense. This can help pay for Fido-related mishaps, like if your pup jumps on a visitor and knocks them over. This coverage can help cover those medical bills.

Long Beach’s Major Risks

Our standard homeowners insurance policy covers your home for damage from all events except those explicitly excluded. That means you have coverage for fire, theft, vandalism, windstorms, internal water damage (a burst pipe), and much more.

But some events, like floods and earthquakes, aren’t covered outright. Let’s take a look at how your policy responds to some common natural disasters.

Long Beach Wildfire Coverage

Virtually no community in California is exempt from wildfires. Though Long Beach isn’t next to a lot of open space and is flanked by the ocean and other communities, it does experience smoke damage from neighboring wildfires. Every Kin insurance policy includes wildfire insurance, which covers smoke damage. You don’t need to request this coverage – it’s already there.

Long Beach Flood Insurance

Most of Long Beach is at risk for floods, thanks to its proximity to the ocean and flatlands with poor drainage. Long Beach residents could experience a flood during heavy rains or when a tropical storm makes landfall. To protect your home from floods, rising water, and storm surges, ask us to add on flood insurance.

Earthquake Coverage in Long Beach

While Long Beach hasn’t had a major quake recently, residents may remember the 1933 Long Beach Earthquake, a 6.4 magnitude quake that caused $50 million dollars in damage (in 1933 dollars). Because of this quake, the Field Act was passed to set better building standards.

Homeowners insurance doesn’t cover earthquake damage. For that protection, you can add on earthquake insurance. It helps you rebuild your home and replace your belongings when a quake strikes.

How to Lower Long Beach Home Insurance Costs

Looking for more ways to save on your coverage? Safety features like smart home security devices and defensible space offer easy discounts. You can also get discounts for:

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

Filing fewer claims can also keep your rates low over time. Generally, catastrophic claims, like wildfire damage, hurt your rates less than smaller claims, like a stolen laptop.

You can also increase your deductible to lower your premium. Just make sure you’re comfortable with your out-of-pocket costs if you do need to file a claim.

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