Homeowners Insurance in Los Angeles, CA

For a home at Los Angeles's median value of $921,200, we estimate about $2,135 a year — +29% versus the California NAIC average of $1,655.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Los Angeles

Est. premium

$2,135

$178/mo · median home

Median home value

$921,200

California: $734,700

Median year built

1965

Census ACS

Owner-occupied

36.0%

of households

Hazard score

82.8

state ref. 70.2

Los Angeles's estimate reflects its home values (25% higher than the state median) and FEMA's hazard profile for Los Angeles County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Los Angeles

FEMA National Risk Index — Los Angeles County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	93.0	Comprehensive (car); roof claims (home)
Tornado	Relatively High	97.7	Comprehensive; dwelling
Hurricane	Not rated	0.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very High	100.0	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively High	90.0	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	75.2	Comprehensive; dwelling
Winter weather	Relatively Moderate	74.8	Collision (icy roads); frozen pipes (home)
Wildfire	Very High	99.9	Comprehensive; dwelling
Earthquake	Very High	100.0	Home needs a separate earthquake policy
Lightning	Very High	97.0	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Los Angeles

Dwelling value	Wood frame	Brick / masonry
$200,000	$630	$580
$300,000	$870	$800
$500,000	$1,310	$1,205
$750,000	$1,810	$1,665

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Los Angeles

ZIP	Median home value	Owner-occupied	Est. premium
90011	$595,400	25.6%	$1,505
91331	$633,200	62.4%	$1,580
90044	$613,900	31.1%	$1,540
91335	$751,700	50.2%	$1,815
90003	$576,600	27.2%	$1,465
91402	$624,300	33.6%	$1,560
90037	$666,400	22.7%	$1,645
90026	$1,199,500	23.5%	$2,635
90731	$851,000	32.6%	$2,000
91343	$823,700	48.2%	$1,950
90019	$1,273,700	23.8%	$2,765
90004	$1,552,100	16.2%	$3,235
90034	$1,516,600	20.4%	$3,180
90042	$976,400	47.4%	$2,235
90066	$1,695,400	38.3%	$3,475
91405	$737,700	27.3%	$1,785
90006	$902,900	9.7%	$2,100
91344	$904,300	73.4%	$2,100
90744	$631,500	35.8%	$1,575
91304	$886,400	50.4%	$2,070
90002	$534,200	39.2%	$1,380
91406	$808,900	40.6%	$1,920
90024	$1,478,500	32.5%	$3,115
90047	$680,600	56.0%	$1,675
91605	$793,600	37.0%	$1,895
90018	$923,300	30.6%	$2,135
90046	$1,515,000	22.2%	$3,175
91306	$800,000	56.3%	$1,905
91352	$764,800	50.2%	$1,840
90057	$647,700	3.8%	$1,610
90027	$1,776,400	20.0%	$3,605
90025	$1,079,700	24.1%	$2,420
90016	$968,900	34.9%	$2,220
91367	$1,067,000	45.4%	$2,400
90033	$707,200	17.6%	$1,725
90065	$1,085,300	47.3%	$2,430
90023	$639,400	25.3%	$1,590
91606	$832,900	31.8%	$1,970
90032	$827,500	51.7%	$1,955
90043	$901,800	53.9%	$2,095
90045	$1,399,100	47.2%	$2,980
90036	$1,881,900	13.7%	$3,775
91401	$1,047,700	33.3%	$2,365
90005	$975,200	8.9%	$2,230
90020	$847,700	9.0%	$1,995
90007	$861,700	9.8%	$2,020
91326	$1,106,000	75.8%	$2,470
90059	$583,900	44.2%	$1,480
90012	$693,600	7.5%	$1,700
90049	$2,000,001	53.4%	$3,965
91601	$1,000,000	16.7%	$2,275
90031	$782,300	31.4%	$1,870
91325	$944,500	46.6%	$2,175
90029	$1,124,400	10.3%	$2,500
90008	$1,040,600	30.6%	$2,350
90028	$1,043,100	3.4%	$2,355
90062	$711,400	45.3%	$1,735
91604	$1,700,300	45.1%	$3,480
91423	$1,430,800	37.2%	$3,035
91607	$1,030,500	29.9%	$2,335
91356	$1,229,000	58.0%	$2,685
91324	$906,300	46.7%	$2,105
90017	$692,300	5.7%	$1,695
90061	$601,500	35.3%	$1,515
91303	$683,000	21.6%	$1,680
91316	$961,100	50.2%	$2,205
90035	$1,908,900	30.5%	$3,820
90039	$1,264,500	45.7%	$2,750
90041	$1,192,200	54.6%	$2,620
91364	$1,208,200	70.9%	$2,650
90038	$1,177,100	8.2%	$2,595
90710	$689,300	56.2%	$1,690
90064	$1,765,300	49.5%	$3,590
91307	$963,900	79.5%	$2,210
90291	$2,000,001	32.9%	$3,965
91403	$1,520,000	44.7%	$3,185
90015	$786,000	11.4%	$1,880
90292	$1,272,200	28.9%	$2,760
91411	$1,017,900	29.3%	$2,310
90732	$857,000	72.1%	$2,015
90068	$1,810,700	43.9%	$3,660
90048	$1,932,000	27.9%	$3,855
90272	$2,000,001	79.9%	$3,965
90069	$1,074,900	37.2%	$2,415
91602	$1,055,900	33.3%	$2,380
91040	$861,600	66.5%	$2,020
90210	$2,000,001	70.7%	$3,965
91345	$712,200	69.4%	$1,735
91436	$2,000,001	78.7%	$3,965
90013	$800,500	7.8%	$1,905
90293	$997,600	45.0%	$2,275
90094	$1,356,000	30.5%	$2,905
90014	$615,700	6.0%	$1,545
90077	$2,000,001	84.5%	$3,965
90010	$834,100	19.2%	$1,970
90067	$1,509,400	65.4%	$3,165
90021	$1,102,600	8.1%	$2,465

Homeowners insurance in California · Car insurance in Los Angeles · Insurance offices near Los Angeles

Frequently asked questions

How much is homeowners insurance in Los Angeles?

For a home at Los Angeles's median value of $921,200, we estimate about $2,135 a year for a standard HO-3 policy with a $1,000 deductible. The California NAIC average is $1,655.

What are the biggest natural hazards in Los Angeles?

FEMA's National Risk Index rates Los Angeles County relatively high or very high for tornado, inland (river) flooding, coastal flooding, wildfire, earthquake, and lightning.

Does the age of homes in Los Angeles affect insurance?

Yes. The median home in Los Angeles was built in 1965 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for California, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Los Angeles County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page