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Humboldt County, CA Homeowners Insurance Quotes

We can help you get a free and quick comparison of Humboldt County, CA home insurance rate quotes to easily review. We like to help you shop up to 12 competitive home insurance rates with a variety of coverage options from a standard policy to a multi-line packaged discount policy that would include your home and auto insurance together. A standard (HO-3) policy for homeowners living in Humboldt County includes protection against most perils, but does not include coverage for flood or earthquake damage. Don't worry, our home insurance professionals of California can help you figure out which policy is best for you.

Homeowners living in Humboldt County, pay on average around $1241 a year or $103.42 per month. Let us help you explore multiple coverage options and provide up to 40% in discounted savings for your new policy. For online quotes, please enter your zip code of the property you would like to insure today or give us a call now at 1-855-976-2656

For all Humboldt County, CA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Humboldt County? Simply enter your zip code to get your California homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Humboldt County, CA Housing Demographics

With 134,623 residents living within the Humboldt County area there are over 61,559 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 31,079 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Humboldt County.

DemographicValues
Total Occupied Households56,031
Family Households (families)31,079
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units61,559

Humboldt County, CA Coastal Wind, Hail & Flood Information

For all homeowners living in Humboldt County (FIPS: 6023), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of California is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Humboldt County, CA, it's important that you look into hurricane and windstorm insurance options.

Humboldt County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of California.

Helpful Articles:

Humboldt County, CA Home Insurance Average Premiums

Local Humboldt, CA homeowners insurance quotes comparison

$984 /yr.

California's Average Home Insurance Rates Overall

For the state of California, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 24 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$835 /yr.
Current Average Cost:$984 /yr.
Maximum Range:$1241 /yr.

Humboldt County, CA Coastal Wind, Hail & Flood Information

Humboldt is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Humboldt is know for it's beautiful beaches and waterways. Because Humboldt County (FIPS: 6023) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Humboldt County.

California Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

    California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

  • 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

    Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]

Discounts For Homeowners in Humboldt County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your California homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Humboldt County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Humboldt County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Humboldt County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Humboldt County Housing & Real Estate Data

Details:Statistics
Total Housing Units61559
Occupied Housing Units56031
Vacant Housing Units5528
Vacant Housing Units for Rent936
Vacant Housing Units Rented Not Occupied124
Vacant Housing Units For Sale467
Vacant Housing Units Sold Not Occupied139
Vacant Housing Units For Seasonal Occasional Use2247
Vacant Housing Units All Other Vacants1615
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent4
Housing Tenure Occupied Units56031
Housing Tenure Occupied Units Owner Occupied30820
Housing Tenure Occupied Units Owner Occupied Population73505
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied25211
Housing Tenure Occupied Units Renter Occupied Population56104
Housing Tenure Occupied Units Renter Occupied Average Household Size2