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92646 Home Insurance Average Premiums
$882 /yr.
Shows Zip Code: 92646 lowest rates with discounts applied on average.
For the 92646, 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) | $882 /yr. |
| Average Coverage: | $1132 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1432 /yr. |
What is the average home insurance cost for a home in 92646?
- • The average homeowners insurance premium paid annually for a home in 92646 is around $1132 per year.
What does it cost on average per month for home insurance in 92646?
- • Homeowners in 92646 pay a monthly average cost per month around $94.00.
What kind of discount could I get if I combine my home and auto insurance together in 92646?
- • Autoowners in 92646 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
You can easily shop and compare home insurance rates within Huntington Beach, check out other zip codes nearby 92646.
To review average rates in another zip code, click on a zip code below:
92647 | 92646 | 92649 | 92648 |
California Homeowners Insurance News & Information
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California Homeowners Insurance Quotes: Compare Coverage, Save More & Find Affordable Rates Posted on Thursday 11th June, 2026
Finding affordable California homeowners insurance has become more challenging than ever. Rising rebuild costs, wildfire exposure, changing underwriting guidelines, and carrier availability have caused many homeowners across California to shop their home insurance coverage more frequently to protect both their property and their budget. If you are comparing California home insurance quotes, now is one […]
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California Homeowners Still Struggling to Find Insurance Coverage — What You Can Do in Today’s Market Posted on Wednesday 6th May, 2026
California homeowners aren’t imagining it—the insurance market has gotten significantly tougher over the past few years. What started as a wildfire-driven problem has now evolved into a full-scale availability and affordability challenge. As a professional homeowners insurance agent, I can tell you this: while the situation is difficult, there are still smart ways to secure solid […]
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
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2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
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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 […]