Updated: December 16, 2024
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In Long Beach, California, Allstate offers the best overall and cheapest home insurance policy. If customer service is most important, Chubb is a better option. It's important to consider what's important to you.
Different needs mean choosing the best home insurance depending on factors like price, customer service and coverage options.
Best HomeInsuranceLong Beach, CATable of Contents
Why Trust MoneyGeek?
We used data and rates from the California Department of Insurance and Quadrant Information Services to select the top homeowners insurance options in Long Beach.
Home insurance premiums in Long Beach represent the latest available quotes as of September 2024.
MoneyGeek found that Allstate is the best option in Long Beach, California, for home insurance with a 100K dwelling coverage. The company has a MoneyGeek score of 83 out of 100.
The scores for home insurance companies in Long Beach, California, range from 43 to 83. These figures reflect MoneyGeek's scoring system, and insurers may receive different scores based on factors like your credit history and the age of your home.
| Allstate | 83 | $331 |
| Travelers | 82 | $426 |
| Farmers | 74 | $462 |
| State Farm | 69 | $622 |
| Chubb | 64 | $768 |
| Nationwide | 54 | $792 |
| Capital Insurance Group | 43 | $671 |
MoneyGeek found that Allstate is the best option in Long Beach, California, for $100K dwelling coverage. The two best overall home insurance companies in Long Beach for $100K dwelling coverage are:
Allstate is the best home insurance provider due to its high affordability, contributing significantly to its MoneyGeek score. In Long Beach, California, various companies have different cost and service experiences. While cost is crucial, considering factors like customer satisfaction is important, especially when filing a claim.
Allstate's high affordability and customer satisfaction scores make it the best overall company. It offers comprehensive home insurance coverage with cyber event/ID theft and back-up of sewer or drain. You can save with discounts like responsible payment, which rewards timely payments, and continuously insured, offering savings for switching to Allstate.
Allstate's cyber event / ID theft helps if your identity is stolen, and back-up of sewer or drain covers water damage from drain issues. Home business property coverage increases limits for business items at home.
MoneyGeek found that Chubb offers the best customer service in home insurance in Long Beach, California, with $100K dwelling coverage. This top-ranking company stands out for its impressive MoneyGeek score and competitive annual premium. Here are the top two providers for this coverage:
Chubb leads the pack thanks to its exceptional customer satisfaction and comprehensive coverage options, which largely contribute to its high MoneyGeek score. Customers choose Chubb for its reliable service and robust coverage.
Excellent service in home insurance means fast claims processing, clear communication and helpful support when you need it most.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like new home and home renovation. For example, you get a discount if your home is 10 years old or less.
Chubb's guarantee replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law coverage pays for updates to meet current codes. Cash settlement lets you choose a cash payout if you decide not to rebuild.
MoneyGeek found that Allstate is the best cheap home insurance company in Long Beach, California. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in California, Allstate stands out because of its great affordability score, making it an excellent option for budget-conscious homeowners. However, keep in mind that cheap home insurance often means less coverage, which might not be enough if something bad happens. In situations where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
The best cheap options are unique as they combine affordability with acceptable coverage without just being the cheapest option. Allstate successfully balances cost and service.
State Farm is the best cheap company with high scores in affordability and satisfaction. It offers 'Building Ordinance or Law' and 'Back-Up of Sewer or Drain' coverages, providing comprehensive home insurance. You can save with discounts like 'Bundle' and 'Protective Device'. Installing a home security system can qualify you for savings.
State Farm's coverages are useful for homeowners. 'Building Ordinance or Law' helps if you need to meet new building codes. 'Back-Up of Sewer or Drain' covers water damage from sewers. These coverages protect your home from unexpected costs.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Several factors affect homeowners insurance in Long Beach, with location being a key one. Comparing rates is the best way to save but may take more than an hour as each company can require up to 15 minutes. Use MoneyGeek's home insurance calculator to save time. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few more details for a quick estimate.
MoneyGeek found that Allstate is the best option in Long Beach, California, with a balance of cost and high ratings. At the center of choosing home insurance is the dwelling coverage you select, which greatly impacts your premiums.
Allstate stands out in Long Beach, California, due to its affordability and high MoneyGeek score. It offers the best pricing and achieves a significant score, proving its value overall.
Opting for the cheapest homeowners insurance in California can significantly aid in managing your finances.
| Allstate | $331 |
| Travelers | $426 |
| Farmers | $462 |
| State Farm | $622 |
| Capital Insurance Group | $671 |
| Chubb | $768 |
| Nationwide | $792 |
Allstate is the best option for high-value home insurance in Long Beach, California. High dwelling coverage is crucial, as homes are expensive to replace, and home insurance costs increase accordingly.
Allstate is the most affordable option in Long Beach. According to MoneyGeek, it balances cost with customer satisfaction well but isn't always the highest rated overall.
| Allstate | $1,650 |
| Travelers | $2,210 |
| Capital Insurance Group | $2,813 |
| State Farm | $3,031 |
| Nationwide | $4,049 |
| Chubb | $4,522 |
| Farmers | $5,444 |
Farmers offers the cheapest home insurance for new homes in Long Beach, California.
Farmers stands out in Long Beach because of its low cost for new homes. Although it offers the most affordable option, it is not the top-rated insurer in the area.
You need to ensure you are adequately covered.
| Farmers | $220 |
| Travelers | $227 |
| Allstate | $261 |
| State Farm | $311 |
| Nationwide | $321 |
| Capital Insurance Group | $436 |
| Chubb | $620 |
Affordable homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Long Beach for you depends on your needs. Consider factors beyond premiums, like location and coverage options. Follow these steps to get the best cheap home insurance.
To figure out how much home insurance coverage you need, think about rebuilding costs, personal property value and liability needs.
Look into insurance companies in Long Beach, California. Choose those with strong financial stability and positive customer reviews.
Once you know what coverages you need, compare home insurance quotes. For a $100K dwelling coverage in Long Beach, California, annual premiums can be as low as $331 and as high as $792.
Inquire with each provider about potential discounts, such as for bundling, installing safety features or having a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can manage.
Enhancing security systems and locks can lower the risk profile of your home and potentially decrease insurance costs.
Keep a good credit score, as it can affect your insurance rates in Long Beach, California. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies, such as auto insurance. This can lead to significant discounts and savings.
The best cheap home insurance provider for you in Long Beach depends on your coverage needs and budget. Get answers to the most commonly asked questions about affordable insurance rates in Long Beach, California.
The average cost of home insurance in Long Beach, California, is $465.
Allstate offers the cheapest home insurance in Long Beach, California, with an annual premium of $331.
The best home insurance in California for Long Beach residents is provided by Allstate, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
