Cheap Homeowners Insurance Costa Mesa

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cheap homeowners insurance costa mesaCosta Mesa is part of Orange County and is located 37 miles southeast of Los Angeles. Rand/McNally  and USA Today have given Costa Mesa reviews as being the best small town for restaurants west of the Mississippi River. The cost of living in Downey is 1% higher than the California average and 37% higher than the national average. The median home price in Downey is $413,400, which is 135% higher than the national average. For most people their home is their biggest investment, so it is very important to understand how much insurance you need according to the special features of the city you live in. This will help you get the best cheap homeowners insurance Costa Mesa has available.

cheap homeowners insurance costa mesa 2Costa Mesa is safer than 37% of the cities in the United States with an overall crime rate that is 2% lower than the national average. Property crime in Downey is 4% lower than the state average and 1% higher than the overall national average. City crime rates have an affect on the cost of homeowners insurance, as well as the geological characteristics of the area.

Costa Mesa encompasses a total of 16 square miles with its southernmost border only 1-mile from the Pacific Ocean, and there are four major earthquake faults that present a hazard for the city. Like most of Southern California, Costa Mesa has about 30 small earthquakes every month. Even small seismic activity can cause tsunamis and tidal waves, as well as hard to perceive structural damage. Theft and fire are usually covered under basic homeowners insurance policies, but not earthquake and flood damage. If you live in Costa Mesa it is a good idea to add these coverage options to your policy.

About Homeowners Insurance in Costa Mesa

Since each homeowner is an individual, not every person will want the same coverage. However, there are certain aspects to homeowners insurance that are necessary. Most policies generally cover the following:

  • cheap homeowners insurance costa mesa 3Damage to your home, such as permanent structures being destroyed by fire.
  • Damage to personal property, including items in your home being damaged that are not permanent structures.
  • Liability Coverage, which can be useful in legal matters or if there is an accident at your residents.
  • Limited Coverage for theft, which covers things such as stolen jewelry or other expensive property.

California has many cheap homeowners insurance carriers to choose from and premium rates are largely based on who is providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance Costa Mesa has to offer.