How Can I Make My Costa Mesa, CA Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Costa Mesa, CA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Select the Suitable Coverage Value for your Costa Mesa, CA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $174,000 | $160,000 | $200,000-$250,000 |
| 2 Bedroom | $262,000 | $230,000 | $200,000-$250,000 |
| 3 Bedroom | $385,000 | $310,000 | $400,000-$500,000 |
| 4 Bedroom | $875,000 | $750,000 | More than 10,000,000 |
| 5 Bedroom | $1,194,000 | $1,060,000 | More than 10,000,000 |
Estimate your Savings with Home Insurance Discounts in Costa Mesa, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$193 | $1,091 |
| Superior Protection Discount | -$128 | $1,155 |
| Fire & Security Discount | -$128 | $1,155 |
| Hail Resistant Roof Discount | -$39 | $1,245 |
| Newly Constructed Home Discount | -$308 | $976 |
Choose the Right Deductible for your Costa Mesa, CA Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Orange County | $1,000 | $1,351 | $2,351 | $982 | $1,982 | $369 |
| Costa Mesa, CA | $1,000 | $1,268 | $2,268 | $922 | $1,922 | $347 |
| Villa Park, CA | $500 | $932 | $1,432 | $677 | $1,177 | $255 |
| Cerritos, CA | $2,500 | $1,220 | $3,720 | $886 | $3,386 | $333 |
| Yorba Linda, CA | $100 | $1,439 | $1,539 | $1,046 | $1,146 | $393 |
| Paramount, CA | $700 | $779 | $1,479 | $566 | $1,266 | $213 |
| Bell, CA | $300 | $881 | $1,181 | $640 | $940 | $241 |
| Hawthorne, CA | $2,000 | $1,237 | $3,237 | $899 | $2,899 | $338 |
| Upper San Gabriel Valley, CA | $400 | $955 | $1,355 | $694 | $1,094 | $261 |
| acs5_ca_16000us0639003_la-canada-flintridge-city-california.json, CA | $2,000 | $2,930 | $4,930 | $2,130 | $4,130 | $801 |
| Lakeview, CA | $300 | $729 | $1,029 | $530 | $830 | $199 |
| Bonsall, CA | $1,000 | $1,800 | $2,800 | $1,308 | $2,308 | $492 |
Identify Top Home Insurance Agents near Costa Mesa, CA | Back to Top
| Home Insurance Company Costa Mesa, CA | Homeowners Insurance Agency Costa Mesa, CA | Address | Popularity Score | Distance from Costa Mesa (miles) |
|---|---|---|---|---|
| State Farm | Kristina Simpson | 151 N Kraemer Blvd Ste 125, Placentia, CA, 92870-5073 | 14.5 | |
| Travelers | Fairfax Insurance Services Inc | 8159 Santa Monica Blvd Ste 201, West Hollywood, CA, 90046 | 39.3 | |
| Travelers | Stratum Insurance Agency Llc | 18818 Teller Ave Ste 140, Irvine, CA, 92612 | 3.4 | |
| State Farm | Adrian Garrick | 950 S Coast Drive Suite 155, Costa Mesa, CA, 92626-7854 | 1.9 | |
| State Farm | Kevin Chhiv | Ste 110 2101 Business Center Dr, Irvine, CA, 92612-1026 | 3.4 | |
| Travelers | Facepoint Insurance Services | 10236 Lakewood Blvd, Downey, CA, 90241 | 22.7 | |
| State Farm | Matt Davenport | 547 N Azusa Ave, West Covina, CA, 91791-1252 | 28.5 | |
| State Farm | Victoria Pore | 28991 Golden Lantern Ste D105, Laguna Niguel, CA, 92677-1554 | 15.4 | |
| Allstate | Norman Tsang | 419 N Atlantic Blvd Ste 203, Monterey Park, CA, 91754 | 30.5 | |
| State Farm | Mike Mccain | 1442 Irvine Blvd Ste 204, Tustin, CA, 92780-3873 | 8.3 |
Compare Rates for Costa Mesa, CA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| Orange County, CA | $620,500 | $1,368 | $1,010 | $1,860 | $850 |
| Costa Mesa, CA | $671,800 | $1,284 | $950 | $1,750 | $800 |
| Villa Park, CA | $1,077,600 | $944 | $700 | $1,280 | $580 |
| Cerritos, CA | $638,600 | $1,235 | $910 | $1,680 | $770 |
| Yorba Linda, CA | $792,700 | $1,457 | $1,080 | $1,980 | $900 |
| Paramount, CA | $304,400 | $789 | $580 | $1,070 | $490 |
| Bell, CA | $352,000 | $892 | $660 | $1,210 | $550 |
| Hawthorne, CA | $461,400 | $1,252 | $930 | $1,700 | $770 |
| Upper San Gabriel Valley, CA | $580,000 | $967 | $720 | $1,310 | $590 |
| acs5_ca_16000us0639003_la-canada-flintridge-city-california.json, CA | $1,280,900 | $2,966 | $2,190 | $4,030 | $1,840 |
| Lakeview, CA | $262,300 | $738 | $550 | $1,000 | $450 |
| Bonsall, CA | $635,700 | $1,822 | $1,350 | $2,480 | $1,130 |
Research Home Insurance Companies Reviews in Costa Mesa, CA Before Buying | Back to Top
Share a review on your home insurance company
Farmer's Insurance Home Insurance Reviews
Date: November 23, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I would rate Farmers Home Insurance a 5 out of 5. They have always been extremely helpful and kind every time I have spoken to a member of their staff.
Date: September 27, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
We have an extremely fair premium compared to what we had with a previous company. Or current policy has about the same premium but covers 40% more value
Date: August 05, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
We are very satisfied with the local customer service that we have. If I have a need, I walk into a local office and talk to someone face to face
Date: May 07, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
We have the entire structure, garage, and shed covered. This also covers lawn mowers within the structure, tools, furniture, appliances and everything within the structures.
Date: January 09, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Communication
I get emails and physical mailed letters about every important item that I need to know about. If it is a very important matter, I receive a phone call
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I do not have an accurate opinion on the website or mobile app because I do not use either of the two options
Progressive Home Insurance Reviews
Date: September 12, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
We didn't compare home insurance options, we went with the easiest one that was without auto insurance. We've had progressive for a while and our friends have had it too without any complaints.
Date: August 22, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
They saw us as a number versus someone who is genuinely concerned about issues in the area. Some of the customer service reps didn't seem genuine when I talked about my concerns. I have a lot of concerns with falling trees because my home is surrounded by trees. The service was good but I didn't feel cared about which I can understand since they speak to multiple people a day.
Date: August 11, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Website/App
It's not very easy to browse. I have to click on a few tabs before I can find my policy and read it. The lingo isn't user-friendly and I've had to call multiple times to get my questions answered when I needed to.
Date: June 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
They don't make it easy to get online paperwork vs mailed paperwork. I'm sure we were set up to get digital copies of paperwork but I still get mail from them.
Date: May 05, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
Any items that are damaged in the home, pet insurance, anything that's caused by fire, tornado, falling trees, and natural causes. It protects against robbery or any theft-related expenses.
Allstate Home Insurance Reviews
Date: January 17, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
Allstate's deductible was great. It is top of the line, and the best price for me, so I can save more and more, while being protected from all of the dangers that could happen. I feel comfort in this and love knowing I have that poeice of mind.
Date: November 18, 2017 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
I honestly have no idea what is covered. I knew on my old place, but since getting remarried I sold my house and we combined houses.
GEICO Home Insurance Reviews
Date: September 06, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
I didn't start out with Geico for home insurance. I've had them for a couple of years. I find what they are offering was comparable to the prior insurance company I had.
Date: December 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
Compared to other insurance companies I am not sure. I only ever really researched geico and went with them. I didn't trust any other insurance companies an I have had Geico for years for my auto insurance. I would give them a 5 in this department as well.
State Farm Home Insurance Reviews
Date: April 01, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
they had everything I could ask for in an insurance company including motorcycle insurance which is something I needed after also. I would give them another 5 again.
Date: March 06, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
I believe I pay a fair amount in premiums for my policy and I happy with my deductable.
Mercury Home Insurance Reviews
Date: February 25, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
my home insurance company's customer service has been excellent. they are responsive whenever i need to talk to them and they provide clear information.
USAA Home Insurance Reviews
Date: October 20, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
I love the mobile and website for my company, it is so easy to maneuver and i don't have to look long for what i need.